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.
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 1-877-282-5188 to speak with a member with our disability claim support team.