LTD claims and denials
I've been on long-term disability through my employer's policy (administered by a major insurer, won't name them but you can probably guess) for about 14 months. I have a legitimate diagnosis...
I was approved for long-term disability in 2023 after a spinal fusion surgery that left me with permanent nerve damage in my left leg. I can't sit or stand for more than 20-30 minutes without...
I have been receiving long-term disability payments from Unum for my back condition (two herniated discs, confirmed by MRI, affecting L4-L5 and L5-S1) for almost 2 years. Last month I got a letter...
I was approved for long-term disability benefits through my employer's group plan two years ago after a workplace injury left me with serious back and nerve damage. The policy pays 60% of my salary....
I've been on long-term disability since 2022 after a spinal injury that ended my career as a surgical nurse. My policy paid 60% of my salary for two years under the "own occupation" definition. Last...
I have fibromyalgia and spinal stenosis. After my condition got bad enough to stop working in early 2024, I went through the whole process - doctor documentation, functional assessments, everything....
I've been on long-term disability for 18 months after a back injury. My own doctor, the surgeon who actually did my procedure, and my physical therapist all say i'm not able to return to my previous...
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...