Quote:
Originally Posted by BipolarMama31
My LTD is thru an insurance company my employer paid into, but I have been approved by them, and denied by ssdi. So, I'm not sure.
All I can say is, read everything they send you. Make copies of what you send them. Take notes from phone calls, and hire an attorney if need be.
Good luck!
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This is great advice!
I have a whole file drawer dedicated to my LTD insurance company, dating back 30 years. They try hard to lose/cut the claim during the first 10 years.
I have certified every written correspondence and have followed-up phone conversations with written summaries of conversations, esp if something they were saying was questionable. They were saying things they were not willing to put in writing, so I'd call them out and keep a paper trail going, which became useful in winning a judgement against them, overseen/awarded by the U.S. Dept of Labor. (My files-- notes, certified letters made the whole case... and won the case.)
Stay on top of things with the LTD insurer. Be prepared to legally fight them if necessary.
WC