Turned down by LT disability company

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sherlockjr
Regular Member


Date Joined Mar 2011
Total Posts : 22
   Posted 4/8/2011 6:51 PM (GMT -6)   
I'm normally a very upbeat person, but right now, I feel like crying. Although I saw it coming months ago, when the letter finally came from my long-term disability company today denying my claim, it sucker-punched me.

I've already got a call in to a well-known long-term disabilty attorney firm, but it's the end of the working day on a weekend, so I'm just going to have to sit with this until Monday. (WHY do these horrible letters always arrive on Friday afternoons?)

Anyway, I could use a group hug and/or any advice from someone who's been down this road before. Right now, I'm anxious, sick at heart and frightened. I even found myself wondering, as I read through their rationalizations for turning me down, if perhaps I'm not as disabled as I thought... despite seven doctors, two physical therapists and social security. I guess despite my favorite Eleanor Roosevelt quote, I'm giving them permission to make me feel inferior.

Any words of wisdom or comfort out there?

—Patty

"No one can make you feel inferior without your permission."
—Eleanor Roosevelt
___________________
DX: Fibromyalgia, myofascial pain syndrome, spinal stenosis & compression, bulging disks, headache, osteoarthritis, facet joint pain, tendonitis, genetic condition making me prone to clots, dizziness (from blood thinners). MEDS: Lyrica, Celebrex, amitriptyline, hydrocodone, oxycodone

esoR
Veteran Member


Date Joined Jan 2007
Total Posts : 4147
   Posted 4/8/2011 7:31 PM (GMT -6)   
Been there done that. In the middle of an appeal process myself. If you have all those doctor's documentations as back up they will be willing to help you I am sure. The more medical ammo you have the better chance you have of getting the disability atty to help you. Group hug. Rosemary

Betsey Ross
Veteran Member


Date Joined Mar 2011
Total Posts : 1056
   Posted 4/8/2011 8:28 PM (GMT -6)   
I just started my disability process it has only been 2 weeks. I feel for your and I agree with esoR- the more ammo you have for the atty then it will be more in your favor.

Soft hugs

Betsey
crushed lower knee and vertical fx of yibia/external fixator placed/plates and screws and tried to place big pieces of cartiledge under knee cap/tremendous pain in affected legcontinously without improving/allergic to metal in left leg/leg isnt straight/need metal removed in July/wait 6 months for healing/then toatal knee replacement/straighten out leg/more phsyxical therapy/take opana er

sherlockjr
Regular Member


Date Joined Mar 2011
Total Posts : 22
   Posted 4/9/2011 6:08 PM (GMT -6)   
Thank you both for replying. Feeling somewhat better today. I wish you both luck with your LT disability situations...
—Patty

"No one can make you feel inferior without your permission."
—Eleanor Roosevelt
___________________
DX: Fibromyalgia, myofascial pain syndrome, spinal stenosis & compression, bulging disks, headache, osteoarthritis, facet joint pain, tendonitis, genetic condition making me prone to clots, dizziness (from blood thinners). MEDS: Lyrica, Celebrex, amitriptyline, hydrocodone, oxycodone

straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 16799
   Posted 4/9/2011 6:09 PM (GMT -6)   
Patty, I am sorry that you received this letter like you said, it still feels like you have been sucker-punched by the those idiots. But remember this is their normal practice. I know when I would have to send letters in on our clients my blood would just boil because it was so easy for them to send those form letters out to every single person that filed for LTD.

I am glad to hear that you have an atty lined up that handles LTD claims, that is a must. You don't want some chump that practices a little of this and a little of that. I call them the jack of of all trades and master of none, lol. Stay away from those kind. It truly is a paper war when dealing with insurance companies. We had another term but I am not allowed to write something like that here at the forum, lol.

Don't let this get you down, its not worth it, turn it over to the atty and let him do the worrying for you. Also, keep in mind, the people that makes these decisions most of the time have no medical background.
Moderator Chronic Pain Forum
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