I am on Medical Leave from my job and on CA Short Term Disability. I have multiple medical conditions I am managing. I have completed my FMLA 4-months job protected leave. 1. If I am terminated, will I lose my Company Benefit to receive UNUM Long Term Disability? Or, if I agree to "Severance" pay, do I lose the Company Benefit to receive UNAM Long Term Disability? 2. I applied for UNAM Long Term Disability. Is it necessary, generally, to hire a "Disability Attorney"? 3. My Company Medical/Dental Benefits expired, after 90 days. I am currently on COBRA ($800/mo). Are there cheaper options? (the first question on the ACC website is re: "annual" income. My current income is low because I am on State Disability, but my annual income for 2015 is much higher.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.