Can I file under two different short term disability policies at the same time?

I don’t think it would be an issue. Generally private policies are not offsets under group policies. Look at the deductible sources of income under...

What can I do if I paid my medica insurance out of my salary& and my employer didn't send in the premium and it was cancelled?

You may have a claim under ERISA 502 for either a claim for benefits or other equitable relief depending on the circumstances. The claim sounds...

I am trying to understand my rights under ERISA?

The insurer/administrator gave you 15 days to appeal? that doesn’t seem right or proper under ERISA regulations. With respect to your question,...

Your claim for Disability benefits has been denied. A notice has been sent to you with a detailed explanation of the decision ?

It would appear that your claim has been denied and the denial letter is being sent to you. If your coverage was obtained through your employer,...

No. "This regulation applies to all claims for disability benefits filed on or after January 1, 2018. " However, as stated by the last response,...