Re: Appeal of erisa ltd extended by ins co need suggestions
Is the LTD company trying to put your disability in the M/N (mental/nervous) category because most group LTD policies will only payout for a max. 2 years for mental health unless you can prove a physical cause for your disability. Did they just terminate you after 1 year, nscagal? The 1st two years are usually for own OCC and then you must prove any occ after that to continuing receiving benefits. When you initially went on LTD, how did they categorize your illness/disability?
I have read where where Spine AZ said you should appeal the 1st denial yourself before seeking professional help from an attorney who specializes in LTD. My situation is a little different than yours. I am on LTD for severe anxiety, panic, and depression but I have one of the rare group policies that does not limit mental health payouts to 2 years max. My policy will pay until age 65 as long as I remain disabled.
Personally, I would seek out the help of a professional. I had 3 free consultations with LTD attorneys before I ever went out on LTD. I knew in my heart I was truly disabled but I wanted to make sure that I was going to be treated fairly now that I was sick and could no longer continue working. I have found two LTD attorneys that IMO are especially good and extremely well versed in ERISA and would use one of them if I ever run into a problem in the future.
How much even after the SSDI offset is your LTD had they not terminated your claim? Perhaps, SpineAZ will see your post and might respond if she is not in too much pain.
Last edited by BlueSkies14; 10-21-2011 at 02:25 PM.