I have been on STD and have applied for LTD. The rep called today to let me know my case will be reviewed by their medical team. She had told me several days ago she thought it would be approved. I had surgery my 3rd cervical fusion back in Sept and also have RA, Fibromyalgia & Migraines. I have the full support of my Rheumy and PCP. My neurosurgeon has released my with no neuro restrictions. He will not do disability paperwork but will release my medical files.
I am so stressed out about this. What do you experts think? Is this a ploy by the LTD carrier to not pay?
I am in so much pain each day it is impossible for me to work even at my previous sedentary job.
If your review hasn't been done yet, you might ask your rheum and PCP to write a letter stating your symptoms and level of disability because of the pain and RA, etc. to give the insurance company more info.