This is a rubber stamp statement that we see on many many applications. In fact, I just got off the phone with a person and her letter said the exact phrase was well.
Because of the timing of this termination of benefits (at the 2 year mark), your only realistic path forward is to bring a lawsuit against the insurance company. Or if your LTD plan prohibits lawsuits, you would need to appeal to the designated appeal board.
Assuming you have the option to sue, your appeal would go forward in that context and the options would be to negotiate a settlement, convince the insurer to voluntarily approve the appeal and pay benefits, or take the case to court and a judge will issue an order for approval / denial.
You should absolutely go forward with your appeal. Your situation is very common and can be turned around.
Disability Lawyer with Resolute Legal
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