My LTD was terminated 8 months ago as they claim I didn’t cooperate in their rehab program meanwhile all my doctors had written back-up letters explaining why I couldn’t participate in their plan at that time. I’m on my second appeal with them and they have now requested I see a psychiatrist. Now this is 8 months AFTER they terminated me! I feel like this is a trap for them to say oh well she’s fine now and we were right in terminating her 8 months ago!! Any advice is welcome. thank you!
My advice is to call Resolute for a free consult.
8 months seems like a long time to be without LTD.
Good article on IME’s
I always recommend that people attend the appointment in a situation like this. There is no downside for you – best case scenario the doctor will support you and your claim gets approved. Worst case scenario the doctor supports them and you are in same situation you are currently in.
It is easy to be cynical, but I have seen many instances of these assessments coming out in in favour of the person making the disability claim. Not all doctors hired by the insurance company are hired guns. Some will say things that go against the insurance company’s position.
If your claim continues to be denied after this appointment, then you could proceed with litigation as an option.
My only caveat here is that in some cases you have only 1 year to sue the insurance company from the date of first denial. Make sure you have a lawyer look into this before you reach the 1 year mark.
Disability Lawyer with Resolute Legal
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I can vouch for what David said. An IME helped me.
Yes, I am jaded. Hope for the best-prepare for the worst kinda of thinking.
Watch the statute of limitations though is also very good advice.
Sometimes too the Insurer may want to back out of an unreasonable position-so the IME clarifies your situation-they reinstate benefits—escape the bad faith delay of 8 months