First and foremost, you should speak with a Washington employment law attorney to discuss your employment rights. Because you are on short term disability, you should also know that the law allows you to continue to collect short term disability benefits (and potentially long term disability benefits) even if your employment is terminated.
This is a great question. If you are terminated, you remain eligible for short term disability benefits until those benefits are exhausted (4 months from now). Because your disability occurred prior to the end of your employment, you would also be eligible to apply for long term disability benefits (assuming your employer offers long term disability benefits). This is true, even if you are terminated prior to the time when long term disability benefits would begin.
All good answers. I would also add that you may be able to apply for short and long term disability through your employer. These benefits are distinct from the federal Social Security Disability benefits discussed in other answers.
Another way to look at this issue is to ask the LTDI company to send you an "accounting" of its over-payment calculations. You will want to make sure that the amounts that it is using to generate the over-payment calculation are correct.
Adding to the previous answers, under federal law (COBRA), your employer must offer you the right to continue health insurance coverage (but at your own cost) for up to 18 months. It sounds as if this has been offered to you. One thing to note, you will only have one opportunity to elect to continue coverage under COBRA. If you pass up on this opportunity, you will not be allowed to re-enroll at a later date.
I would add to the previous answer that if you worked more than 40 hours in a week while classified as an independent contractor and if you were not paid overtime wages, you may entitled to additional wages.
I would recommend speaking with an employment attorney. Employment in Wisconsin is generally "at will." This means your employer can fire you for any reason or no reason at all. You may, however, have certain additional employment rights based on whether you are a member of a union or if you are a member of a protected class.
Regarding your claim for unemployment benefits, the standard in Wisconsin for eligibility is whether you were terminated for "misconduct," meaning that you willfully...
Often, insurance companies struggle to find qualified doctors to put together reports. If the so-called "independent" doctor is not qualified to render an opinion and your claim is denied based on this report, you should work with an attorney to attack the credentials of the doctor offering the negative opinion. I would also recommend having your treating doctor respond to the insurance company doctor's report directly.