LTD Terminated - what now?

I received an email from my insurance company that my LTD has been terminated after three and a half years. The email says I no longer meet the definition of total disability.
I am being offered the same position I had before which I cannot perform due to my health issues.

I was told I can appeal this but I don’t even know how to begin this process. I’m also unionized so I don’t know how that that works either.

Any advice would be appreciated

Sorry to hear that Portia. Since you have been on LTD for 3.5 years, you were obviously deemed fully disabled. You will need to appeal the decision. How to appeal it should be outlined in the letter you got. There is also a very helpful article here on resolutelegal: Long-term Disability Denied: How to Appeal in 7 Steps - Resolute Legal Disability Lawyers

It sounds to me from your previous posts on here that you did not send your insurer the requested medical info that they asked for from specialists. You said this is because of covid and you are unable to get in with the specialists. Unfortunately this is unchartered territory. It sounds like they are using this as an excuse to cut you off. I think you will win your appeal easily if you provide them with the info showing you are disabled as requested. It is just them hoping you will go away and give up.


Yes, please reach out to our support team. We can review your situation and give you a plan. Then depending on your situation you will likely have options to implement the plan yourself, working with your union, or working with us or other law firms.

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.

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