Yesterday I received the news that my second appeal for LTD through group insurance with my LTD Insurer was denied. Following the denial of my first appeal, I retained a lawyer to help with the second in order to make sure I had all of my ducks in a row. I have the full backing and supporting documentation from my specialist, my GP, an occupational therapy assessment, all confirming that I cannot return to work and am unable to perform my specific job duties, or any at this time.
I have been unable to work for close to 16 months due to the onset of chronic intractable migraine, and had first applied for LTD 13 months ago. My initial application was denied in December 2016, first appeal denied in May 2017, and now the second. They did not specify any reason for denying my appeal, simply maintained their position.
I feel defeated (but am not giving up), as my hands are effectively tied from taking this to court as I have no source of income. I have applied for CPP Disability as of last month, but am not hopeful for that as I’ve been discouraged by the outcome with my LTD insurer