LTD Denial how long do you have to appeal and get a Lawyer

Hi I was cut off LTD back in April 2020, right when everything shut down, due to Covid, I couldnt get to see my Dr’s so doing the appeal was very difficult, they denied me first appealed and then second. I should have possibly went to see a Lawyer then but everything was shut down, I have a feeling that this was calculated on their part.I have been approved for CPPD but that barely pays anything. Is it too late to take my case to see a Lawyer?

I’m not 100% sure but you should have about 2 years from the denial of the second appeal.
Appeals rarely work so rather than appealing it is often advised to go directly to a lawyer.
You should definitely speak with a lawyer. The fact that you get CPPD strengthens your case as CPPD has harder qualifying standards than most LTD plans. Good luck

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Hey, you should call in for a free consultation. I would like to have a chat with you and review some of the details of your claim to see how we can help!
Free Consultation
You could call my line as well 888-480-9050

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Get the free consultation:

HI Fangirl! I say it’s never the wrong time to consult with a law firm. Many firms in the long-term disability space will offer a free consultation. Reach out to Jen above and she can answer your questions. She is a disability claim consultant on our team.

There are deadlines for taking action, but you may still have enough time.


David Brannen

Disability Lawyer with Resolute Legal

The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.

Pretty surprised to see them cut you off even though you have been approved for CPP-D. That takes guts. Usually the standard for CPP-D is much higher than LTD. Especially during covid. I would definitely appeal. Usually you have 2 years, at least I do. So you should be okay to appeal. Definitely do it! You will win!