LTD Benefit Person, Thank you for sharing your experience from working within an insurance company that sells LTD. It is interesting that you never mentioned ERISA, which is the Federal laws governing LTD. What ERISA allows insurance companies to behave in a capricious manner mainly because when there is malfeasance by the insurance company the [...]

I have a Unum Long term disability policy, I became disabled and unable to work for several reasons. Unum paid me for 7 yrs and then decided I was no longer disabled. I sent them update reports MRI, Nerve study showing them my problems have gotten worse not better and they don’t care. If you [...]

I’m early forties and had both knees replaced almost a year and a half ago. I’ve had problems with my knees and arthritis for all of my adult years and also have vitiligo which is a mentally devastating skin disorder, I have been an industrial electrician since I was old enough to start working, and [...]

I have been in the same relationship since 1985. we were very good at different things . I liked to plan trips aand John use to do all the bills. But it was great for years but I started to get asked how much i payed for my electronic bill. I would not know. Pushing [...]

Hello, I am in the process of trying to get my LTD denial overturned. I have several chronic illnesses including CHF, Diabetes, Bipolar, High Blood Pressure, Anxiety, and I also wear a ICD for my heart. I worked for my company for 4 yrs. The last 2 of which I worked while experiencing near death [...]

Hello I am writing today about a law that I feel puts the disabled at a huge disadvantage and that has affected my and my child’s life greatly because of my disability benefit. I have read that other states are now changing these laws and I hope Pennsylvania will be next. I’ve been disabled for [...]

My husband has had Crohn’s disease for over 25 years. About 2 1/2 years he developed a rare disease called Pyoderma Gangrenosum. The best way of describing it is incurable ulcers that eat down to his tendon. It is systemic and chronic like Crohn’s. Mike has not responded to the medicines that are available. The [...]

I am a 63 year old female, who was employed in the health care appeal industry for over 20 years. For years, I had paid for a portion of my disability insurance with after tax dollars. In 2007, I was diagnosed with severe osteoarthritis of both knees and had to undergo bilateral knee replacements. CIGNA [...]

I faced many denials/appeals for my initial application for LTD benefits through cigna.I prevailed and received four yrs back payments and four more yrs. I was sent to an IME after I disagreed with my worker compensation offset. cigna terminated my benefit using the ime and their internal machine. i obtained an attorney. we appealed [...]

by “One who wants to see laws change”  The worst insurance policy to have is a long-term disability (LTD) policy because it usually falls under the guidelines of Employee Retirement Income Security Act (ERISA). If you make a claim on an ERISA covered LTD policy and have been denied benefits, you will be unlikely to [...]

One aspect of disability claim management that flies under the radar revolves around Certified Rehabilitation Counselors (CRC) and the use of transferable skills analysis (TSA). Many of these TSA’s are unethically prepared to help the Insurer deny benefits. Since insurers are the largest pockets in the CRC referral game the industry has seen a race [...]