Hi Barbara, All,
I also had LTD Disability until my highly paid neurologist made a
mistake on a medical
review form. He was about to move to a big new job and clearly wasn't
paying attention.
Among other things, he wrote that I could bend, get on all fours, and
sit for 8 hours. All
totally wrong, and just what the insurance company needed to stop my
payments. I got
the doctor to write a letter admitting that he was wrong, but of course,
the LTD company
said his letter wasn't 'credible' and I never got my LTD reinstated. So
all I have is SSDI,
which I am grateful for, and would be on the street without, but I lost
half of my monthly income.
Just a message to say what I'm sure you already know, make sure you see
every form
your doctors fill out before they go anywhere. Btw, the insurance
company was notorious
for denying and terminating legitimate claims, and has been sued by many
states.
Just my 1 & 1/2 cents. :)
Kevin
[EMAIL PROTECTED] wrote:
Hi Todd,
This would and could really mess up my LTD insurance from my employer
though. Everybody needs to know how their disability insurance from
their employer works if they are going to try to return to work.
In my case, if I were to try to return to work, and worked for a short
time, then not be able to continue, I would lose my LTD disability
benefits. This is true even on a part-time basis. If I were to ever
try to get another job at a later date and attempt to get LTD coverage
again, I would then also have a pre-existing condition. This is true
even with the same company. If I ever returned and left due to not
being able to work, my same company would never hire me back. But,
they'd sure love to get me off of their disability payment role. I'm
costing them too much money, and will continue until I am capable of
working full-time or reach age 65.
This has nothing to do with SSDI or SSI, however, it is very important
to know. Please review your documentation if you do not already know
the ins and outs of your plan.
Hugs, Barbara A
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