LTD claims and denials
I have a degenerative spinal condition that prevents me from working. Applied for LTD through my employer's policy with Unum. They denied me THREE times before I finally got approved. First denial:...
After a back injury I couldnt work anymore. LTD claim was denied, appealed and denied again, appealed again and denied. Hired a disability attorney and finally got approved on the third appeal. If...
I cant believe it actually worked! My long-term disability claim got approved for the full amount today.What made the difference i think was having detailed photos with timestamps and getting three...
Just finished dealing with a long-term disability claim that dragged on way longer than it should have. Posting what I wish I knew going in.First off, take video of everything before you touch...
I have a chronic condition that's made it impossible to work my old job. Applied for LTD through my employer's policy. First denial: "Insufficient documentation" - sent more docsSecond denial: "Does...