After reading your refusal letter, I had a concern regarding my Benefit Type: Long Term Disability.
The refusal letter that I received electronically from Insurance shows that my application type is Long Term Disability LTD. On the other hand, the documentation I received from my manager shows that Long Term Disability is for those employees who are not represented by the union. But I am so it should be DI and not LTD. Also, LTD is given by different insurance company for the people who are not represented by Union like managers.
Therefore, I am a bit confused. Can someone help please?