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Approved LOA/FMLA in April 2013. Employer STD benefits stopped July 2013. September 2013 approved for Social Security Disability Benefits. No pay from employer since July2013. Received notice in January 2014 that medical benefits stopped effective 12/2013. Employer has not separated me from company thereby preventing me from accessing my 401k money. I need this money to purchase medical insurance now. What can I do???