I won both SSD & my LTD insurance right off the bat. I didn't have any problems with getting either one at all.

I don't see how LTD can deny you when you won your SSDI. Makes no sense to me at all. I do have fill out paperwork every 2 yrs though to keep getting it. When I turn 62 I will no longer get it though. They figure when you hit retirement age they don't need to pay you anything.

Debby