Hi everyone thank you for your support!!! I think the lawyer that said he doesn't send all medical notes is for LTD, not SS.
Everyone has said to me when the doctor told me he was having problems at home, you should never have gone back. I am disabled, I am tired of doctor shopping, I thought nothing of his personal problems.
I spoke to my SS and LTD lawyers, they said that it is very common for doctors to write stuff in medical records that has nothing to do with why the patient is even in the office! Also, my friend said he is now sorry he told me to start wearing makeup and do my hair every time I go out. His point was that if I looked better, I would feel a bit more confident. So I can't say I feel and Look bad.
Truthfully, every SSDI lawyer and SSDI advocacy firm are in it primarily for the money and not because they feel sad for you and want to help you, and that is ok as long as they are able to help you get approved. The theory is these professionals know how the process works better than you do by going it alone and thus if you use one of these guys, you increase the likelihood of getting approved, although there are no guarantees. The SSA website even says basically the same thing.
I didnt see this reply earlier.......but unfortunately it is a 10000% true
Curious footny? Why the settlement? Are they (LTD carrier) really aggravating you, your lawyer, and your treating doctors? If you don't take a settlement, how long must the carrier keep paying you? (max. duration of your policy excluding any attempts at early termination).
The insurance company contacted my lawyer after I won my appeal to see if I would settle. The payment was so low, especially after paying my lawyer and taxes. I countered with a higher price and they said that was all the could spend. So my lawyer and I have discussed it. The policy goes to age 65 and that is a long way for me. My lawyer worries about my age and he said a new case manager can get the file and cancel me, he says it happens all the time.
Insurance companies will always try to lowball you when it comes to settlements. I can understand why people want to settle though just to stop all the aggravation and incessant, unreasonable medical requests for proof of disability in order to stay on claim. Did they start doing this from the very start footny when you 1st applied for LTD benefits?
I am 50 years old. My policy pays until age 65 unless they try to terminate early so that is 15 more years of payments unless I die before then. How long were you on before they cut you off the 1st time?
Last edited by Administrator; 04-18-2012 at 06:44 PM.
No, they just all of a sudden cancelled me about 3 years after I went on disability.
Wow footny, this is what all LTD claimants fear, including me. I am so sorry this happened to you. This is so bad IMO. Even after the SSDI offset, were they still having to pay you a substantial amount?
They do surveillance on some claimants but this is uncommon for the majority because it is so expensive. The insurance company is not going to do this unless they have good cause to believe it will give them the ammunition they need to terminate the claim. Many people are paranoid however because you just never know, esp if the carrier starts badgering you and your doctors monthly for medical proof of continuing disability.
Last edited by Administrator; 04-18-2012 at 06:45 PM.
I got cancelled before I had to go in front of a judge to get SSDI. It was a bad year, that is why I have two lawyers. I don't those months on anyone. So yes every month I am completely stressed out to see if I get a check or a letter from my lawyer or the LTD company or SSDI. It is not fun to live in fear like this.
I agree footny. To live in fear like this is really awful. I actually wish they would ammend ERISA a little more to protect disability claimants. That would at least give us, the claimants, a little more peace of mind when we have to file a claim for LTD. No one wants to be approved but then have to live in constant fear each month not knowing if you are going to receive a deposit into your bank account or a termination letter in the mail.