Again with my LTD trying to cancel benefits

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Lynnwood
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   Posted 3/29/2010 7:44 PM (GMT -7)   
Anyone else having (or ever had) this problem? Seems they come in every couple of years and see if they can scare me away or something...instead of paying...sigh.

You'd think they'd figure out that additional stress from them only makes me sicker and they'll never get rid of me that way.

Just when I was in the middle of qualifying for a mortgage so I could move to a calmer living situation. Sometimes I think it'd be easier ... well, I don't need to think that out loud.

Would love hearing from anyone who has a private disability insurance claim that gets investigated regularly.

Cheers,
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde


PattyLatty
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Date Joined Mar 2006
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   Posted 3/29/2010 9:38 PM (GMT -7)   
Sorry Lynnwood. :(
SLE, fibro, renauds, restless leg, hiatal hernia, double vision, migraines, costocondritis.

plaquenil, neurontin, synthroid, triamterene, actonel, niaspan, lunesta, cymbalta, vitamin D, Calcium, Multi Vit.


Butterflake
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Date Joined Jun 2006
Total Posts : 1551
   Posted 3/30/2010 4:37 AM (GMT -7)   
(((Lynnwood))) I'm sorry they're giving you poo again. I have one thought that may help. When I was trying to get my house refinanced all they wanted regarding income was the initial notice of award letters. I suppose the loan officers might call your company in addition to the letter, but I certainly didn't get that impression. Try not to worry Sweetie. You know you fully qualify for your LTD. Love, Donna 
Systemic Lupus ('05), depression, fibro, sjogrens, cns issues, diabetes, gerd, hypertension, colitis, stage 1 kidney disease  Lots of meds.  Donna 


aimsgirl16
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   Posted 3/30/2010 5:51 AM (GMT -7)   
Sorry Lynnwood!!!

Lynnwood
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Date Joined May 2005
Total Posts : 7020
   Posted 3/30/2010 7:41 AM (GMT -7)   
That's good news, Donna. I got the impression from my mortgage guy that they wanted something from the LTD saying they were going to pay me for the next 3 years.

Thanks
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde


mom46
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Date Joined Dec 2004
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   Posted 3/30/2010 9:34 AM (GMT -7)   
Hi Lynnwood,
My LTD does this on a regular basis as well. It's like clock work every two years. Thank goodness my doctor fills out the paperwork each time that pacifies them. It seems like they would finally get the message.

When I was working my last part-time job I spoke with LTD and they said they were aware I would never be able to work more than a few months at a time, but a couple of months later they sent out the annoying paperwork again.

I'm sorry you are going through this. Best wishes on your loan and moving in a calmer living setting. Take care and keep us updated. You will be in my thoughts and prayers.

Babs

Lynnwood
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Date Joined May 2005
Total Posts : 7020
   Posted 3/30/2010 10:58 AM (GMT -7)   
Do you have to fill in reports between the 2 yr checkups, Babs? I have to fill in a form every month, and my drs every 3 months, then they still come along randomly to try to scare me off.

Last time they did this they quit paying for 8 months & I had to get an attorney to get my back pay reinstated. In doing so, we requested my file and found that they stalk me every year to see where I go & what I do. It all seems very strange since there is nothing to suggest I'm doing anything wrong.

You'd think it'd be enough just to be sick without the world complicating everything. All I want to do is SLEEP.
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde


nasalady
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Date Joined Sep 2009
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   Posted 3/30/2010 11:33 AM (GMT -7)   
Lynnwood, I'm sorry you're having to put up with this! How awful!

As someone who may soon be dealing with a LTD company, I would like to know what you mean exactly by "they stalk" to see where you go and what you do? If you don't mind sharing.....?
Lyme Disease, Babesiosis, Ehrlichiosis, AIH, Hashimoto's, lupus, fibro, RA, celiac disease, asthma, psoriasis, Raynaud's, hypertension, osteopenia, sleep apnea, RLS, GERD, DDD, L3-4 and L4-5 radiculopathy -> severe lower back pain, cubital tunnel, tarsal tunnel, Doxycycline, Zithromax, Prednisone, Imuran, Plaquenil, Lyrica, Cymbalta, Levothyroxine, Atenolol, Cozaar, Zyrtec, Fosamax, Albuterol, Prilosec, CPAP

autoimmunediseasesgfliving.blogspot.com


Lynnwood
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Date Joined May 2005
Total Posts : 7020
   Posted 3/30/2010 1:36 PM (GMT -7)   
Fairly self-explanatory, to tell the truth. The hire someone to sit by your house and see what you do, where you go, follow and see what's going on. They look at your websites...generally see if you are as sick as you've reported yourself to be, or if you're doing business as usual. Data in the file copy we got indicated they do enough surveillance to try things like say you are still working since I hadn't taken down my business website, that sort of thing. They didn't really directly use anything they found to try anything with me, but I'm glad I wasn't trying to fake or lie about things. The file certainly confirmed that they do check up on your activities.

Isn't that fun?! We get to feel like criminals as well as feel sick...
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde


nasalady
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Date Joined Sep 2009
Total Posts : 1176
   Posted 3/30/2010 5:24 PM (GMT -7)   
Wow! They hire someone to sit by your house??

Well, I guess I'm not worried about that, since I'm generally too sick to go anywhere except to the doctor! LOL! But....wow! That's really too bad!

I don't have a business website, although I have a research website with links to my publications. I guess they might check for new pubs, as we discussed before..... sad

Ick.
Lyme Disease, Babesiosis, Ehrlichiosis, AIH, Hashimoto's, lupus, fibro, RA, celiac disease, asthma, psoriasis, Raynaud's, hypertension, osteopenia, sleep apnea, RLS, GERD, DDD, L3-4 and L4-5 radiculopathy -> severe lower back pain, cubital tunnel, tarsal tunnel, Doxycycline, Zithromax, Prednisone, Imuran, Plaquenil, Lyrica, Cymbalta, Levothyroxine, Atenolol, Cozaar, Zyrtec, Fosamax, Albuterol, Prilosec, CPAP

autoimmunediseasesgfliving.blogspot.com

Post Edited (nasalady) : 3/30/2010 6:28:23 PM (GMT-6)


peacesoul
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Date Joined Jan 2007
Total Posts : 2446
   Posted 3/31/2010 6:14 AM (GMT -7)   
They came after me a few times while on LTD, and at the 9 month mark, they cut me off.
I contacted a lawyer who said they are like snakes and will do everything in their power to make your life hell such as; having me followed, asking for paper work on top of paper work. etc

I decided I could not live like that.So I went back to work fulll time. It sucked at first but my company has been understanding of my sick days.

I would rather take welfare than be a slave to these insurance co's anymore.

The stress of them harassing me was worse than just going back to work.
 
 

mom46
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Date Joined Dec 2004
Total Posts : 8198
   Posted 3/31/2010 8:10 AM (GMT -7)   
Lynn,
I only have to fill out paperwork every two years. I'm sorry to hear you are being harrassed by your LTD. I hope this gets resolved soon and they will stop the nonsense. Best wishes.

Babs

Lynnwood
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Date Joined May 2005
Total Posts : 7020
   Posted 3/31/2010 11:07 AM (GMT -7)   
Thanks for all the feedback. It's nice to be able to compare what my LTD company does with what other ones do.

Also thanks for using the word "harassed", Babs -- that's what I was thinking but then I start thinking that somehow they are right and I don't deserve anything and I should somehow manage to grit my teeth and get back to work...but I've tried and that just isn't feasible.

Even if Lupus doesn't do physical harm to one's brain, the effects of dealing with all these side issues certainly warps our thinking, doesn't it?!
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde


mom46
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Date Joined Dec 2004
Total Posts : 8198
   Posted 3/31/2010 5:55 PM (GMT -7)   
Hi Lynn,
You are right...dealing with lupus and all the side issues can warp our thinking sometimes, but then we realize what we can physically and mentally do or "no longer do" and reality brings us back on course.

You are definately being harassed by those people and it is uncalled for. Good luck Lynn! You are in my thoughts and prayers.

Babs

PattyLatty
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Date Joined Mar 2006
Total Posts : 2570
   Posted 4/1/2010 8:11 AM (GMT -7)   
Lynnwood,

I've never applied for disability, but I'm shocked at the problems you that have needed it have! Over the years I've seen people who have it but don't really need it, and then someone like you comes along and they treat you like you're some evil manipulative woman. As well as you write, that would be a good article to write and send in to the newspaper or a magazine. I hope that somehow you can put an end to this and get your mortgage.
SLE, fibro, renauds, restless leg, hiatal hernia, double vision, migraines, costocondritis.

plaquenil, neurontin, synthroid, triamterene, actonel, niaspan, lunesta, cymbalta, vitamin D, Calcium, Multi Vit.


nasalady
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Date Joined Sep 2009
Total Posts : 1176
   Posted 4/1/2010 2:02 PM (GMT -7)   
That's really a great idea, Pat! Lynnwood, you definitely have the ability to write such an article....and the experience too!

Lynnwood, I am so sorry for all that your LTD company has put you through; stress does cause lupus flares and it's truly shocking that they are allowed to harrass a sick person in this manner! Poor peacesoul gave up and went back to work, still too ill to really work, but not willing to deal with the c&%p.

Surely there must be some sort of law against this?? If not there ought to be!
Lyme Disease, Babesiosis, Ehrlichiosis, AIH, Hashimoto's, lupus, fibro, RA, celiac disease, asthma, psoriasis, Raynaud's, hypertension, osteopenia, sleep apnea, RLS, GERD, DDD, L3-4 and L4-5 radiculopathy -> severe lower back pain, cubital tunnel, tarsal tunnel, Doxycycline, Zithromax, Prednisone, Imuran, Plaquenil, Lyrica, Cymbalta, Levothyroxine, Atenolol, Cozaar, Zyrtec, Fosamax, Albuterol, Prilosec, CPAP

autoimmunediseasesgfliving.blogspot.com


Lynnwood
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Date Joined May 2005
Total Posts : 7020
   Posted 4/1/2010 5:47 PM (GMT -7)   
I've been encouraged to write this and that before, and have a few times. But it's like sending time & energy into a black hole, I've never gotten so much as an "we received..." so I'm not all that interested in writing anything. Sad, isn't it? Can't even get angry to protect myself, have to let you guys get mad on my behalf!

I hope to have a long conversation with my attorney in the next few months. If we get them (LTD) to pull back this time, I'd like to pursue more aggressively and see if we can't get rid of the constant "this form, that form" that seems to go on endlessly. I'll keep you posted, but nothing will change for at least another month.

Thanks again, everyone, for your support.
Lynnwood, Lupus & Sjogren's Moderator
"Life is far too important to be taken seriously" - Oscar Wilde

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