Hipple continued to show up to work until his termination on June 6, 2012, he was not disabled before that date. Specifically, Matrix assumed that because Mr. Hipple’s claim asserting that his employment was terminated for cause and, therefore, he ceased to be eligible for coverage. Hipple was terminated from his employment and subsequently filed a claim for disability benefits. Hipple sought disability benefits from an ERISA governed plan. A Michigan Federal District Court recently decided a case dealing with this precise issue. To be successful in a claim filed after the date of termination a claimant would have to show that he was effectively disabled before he was fired. Under most group disability policies the date of termination from employment would mark the end of the employee’s eligibility for coverage under his or her disability policy and a disability claim by that employee with a date of disability after the date of termination would certainly be denied. The crux of the claim would hinge on whether you were disabled under the terms of your policy before you were fired. However, whether the claim will be approved depends on a number of factors. The short answer to this question is, yes. Can I file for disability insurance benefits if I was fired before I stopped working?
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