Hi Kitty, welcome to Healing Well's chronic pain forum. I am so sorry to hear of the problems you are having with the long term disability insurance, but please know this is very typical of them to do this. When I worked it was in the legal field and we had many clients that were in your situation. They used every excuse in the book to deny a claim, but they would not always say "denied " instead it was we are investigating the claim, or the claim is being assigned to a new adjuster who will contact you, that sort of thing, I think you know what I am talking about.
I urge you to contact an attorneyy immediately. Get online and do your homework in locating a local atty to help you out in this. if you have a local bar association, contact them and tell them you need an atty that can handle a claim against a LTD company. Here several years back UNUM which is one of the biggest LTD companys out there was sued and fined big bucks for their claims handling practices, they denied a very high percentage of their claims for one reason or another.
Yes, you do need to get your dr onboard and get his medical records corrected as soon as he can, although I truly doubt that has had much bearing with the LTD. Most LTD company policy is after being off for x amount of time require the person to file for SSD.
Yes, it seems like it takes forever for SSD to get the ball rolling. How long has it been since you filed your claim? Well, like most people who file for SSD, they always get denied on the first time, that is just par for the course dealing with SS. If for some reason you get a denial letter, please contact an atty on this. Make sure the atty handles nothing but SSD claims and again, try to hire a local attorney. Find an attorney that takes the case on a contingency basis, meaning he gets paid if he wins your case, most attys handle the cases this way. I do not suggest paying an atty up front to take the claim. I would also stay away from what we called the tv guide attys that advertise how great they are, those guys are not worth shooting, lol. With them its a number game, high volume cases and they have no idea who their clients are either.
Anyway, I wanted to pop on here and tell you welcome aboard. Plese keep us posted on how you are coming along.
Moderator Chronic Pain Forum