Has anyone been denied LTD when trying to convert from Short term disbility?
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Anonymous
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Usually it is the first thing they do. The administrator of LTD, like any insurance company, wants the premiums but does not want to pay out. You have to document your condition very well with physicians. While you are struggling with whatever your ailment is, you have to respond and submit required paperwork on a timely fashion. People said it can literally break you trying to comply.
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Anonymous
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they make it next to impossible, especially under the erisa laws- the insurance holds the upper hand. Try to get a lawyer. your only hope.