I've recently been denied Long Term Disability benefits, although my doctor says that I should definately not be working now. My insurance company had a physician look over my case and make a decision based on his "Findings". This physician has never even examined me or met me for that matter. It's infuriating! I will appeal. However, I was wondering if anyone else here has experienced a similar situation and how you dealt with it. I'd appreciate any advise or suggestions. Thanks! Lisa
Posted by lpkayak (Member # 5230) on :
LISA-I HAVE EXPERIENCE WITH THIS BUT I WOULD RATHER TALK ABOUT IT "IN PRIVATE"---YOU CAN EMAIL ME AT [email protected] IF YOU WANT-I WAS SUCCESSFUL
Posted by ConnieMc (Member # 191) on :
LTD carriers are all crooks. They typically deny whenever they can. You may end up having to hire an attorney, If so, look for one who is experienced in LTD.
A good resource is the disinissues group on yahoo. Go to the yahoo home page and then to "groups" and scroll down till you find this group. They have lots of very helpful files on their site which are excellent references for both LTD and SS disability claimants.
Fight them as hard as you can. Make sure you document your problems in functional terms. Get evidence of functioning problems from doctors. If they do not treat you professionally, report them to your state insurance board. There should be a mediation process in your state.
If you are finally approved, do not trust them. Keep good records of everything they say and do. Do not talk to them, and insist on communication by mail. Mail important or time-sensitive things with a return receipt. They are not your friends and they do not care if you end up dead in the street. It is all about $$$.