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Originally Posted by Ironbutterfly
My husband just started on LTD. They state first year disability is based on if "you are not able to do your current job". The second year states "you are not able to do ANY job". That is how most folks get denied after the first year.
Not sure the legal language for Prudential, but you should check their guidelines for considering someone disabled.
Husband got a denial for SSDI today; our first try. Our LTD carrier did say if he got denied to call them and they will provide a lawyer for free. So guess that is our next step.
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Hi All:
Thanks for all your replies. I continue to see the pain managament Dr. who certified my disability, in order to get LTD Benefits in the first place. I finally am seeing the Neuro again.
Prudential uses the same standard language that 90% of LTD Ins. Co use. The Attorney costs are quite high to fight them, just to get my benefits re-instated:
$350.00 just to review Prudential's file on me and have an "in-depth" discussion with me as to the best approach to appealing the denial. After that the costs are $350/hour plus all kinds of expenses imaginable. I have an option of giving them $5,000.00 up front, and when that is used up give then another $5,000.00 etc.
Otherwise, they will bill me on a monthly basis.
I far as I can tell these expenses will add up quite quickly and need to be quite frugal as all I have now is SSDI benefits to survive on right now.
I think I have a fairly decent change of winning the appeal, however I have heard many stories of these LTD attorneys simply racking up expenses without producing good outcomes for us.
I live in California, but from what I can tell, employer provided LTD benefits are pretty much the same in all states and it really doesn't matter what states the attorneys are licesnsed to practiced.
Again, I am very grateful for all your replies and information.
Here's to a happy and healthy weekend
Pokeno