My job gives 6 months STD at 100% for 13 weeks and 60% for 13 weeks.
Then it rolls to LTD for 24 months at 60%
I tried to apply for private LTD but I was denied because I have missed more than 2 weeks of work due to MI in the past 5 years.

So my only option is my jobs LTD and SSDI. And ive already gotten my first SSDI denial.

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