My question involves labor and employment law for the state of: Florida.
Currently on FMLA and collecting on employer paid STD policy. The STD policy covers 24 weeks. This illness will extend beyond my 12 weeks of FMLA and I will be terminated should that occur. I do not know how long the illness will last but it is possible it may last for 6 months or more.
I also have an employer paid LTD policy that has an 180 day waiting period. How can I collect on that if I will be terminated before the LTC policy can even be accessed and my STD would expire? It seems no one would be able to collect on a LTD policy as anyone at my company will be terminated as soon as their 12 weeks of FMLA is used. Is this usual? SO many employers terminate after FMLA and how would anyone be able to access a LTD policy with a 180 day waiting period. Thank you for offering answers to these questions. I do realize FMLA and STD as well as LTD are separate benefits.