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| | |-+  Has anyone had a ltd insurer meddle with your ssdi
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Topic: Has anyone had a ltd insurer meddle with your ssdi  (Read 1553 times)
~ Copper ~

People helped 0
Posts: 20

« on: January 17, 2017, 09:24:11 AM »

I am wondering if anyone who receives ssdi and also may have an ltd plan, has had any issue with their ltd carrier trying to meddle with your claim.  I read some are using tactics to persuade ssa to perform more cdr's etc... and the ltd insurer want to get the ssa records\findings as well. 
~ Platinum ~

People helped 212
Gender: Female
Posts: 2195

« Reply #1 on: January 17, 2017, 10:24:25 AM »

SSA is not going to do more CDRs based on the LTD's request.  And the requirements for SSDI are different than LTD, since the policy language is not identical so it is possible  to qualify for one & not the other.

In most cases, it is to the LTD's benefit for you to qualify for SSDI because they can reduce your LTD payment by the amount of your SSDI payment & therefore reduce their expenses.  (Obviously, thus depends on your policy provisions.)  But, if the LTD managed to get you kicked off SSDI & then had to pay you the amount that SSDI was paying you, it would be a negative for them.

I have had my LTD ask for a copy of my approval letter.  And I have sent them copies of CDR continuation letters (but only during my next scheduled LTD review).  I don't submit anything to the LTD unless I am undergoing an update . (I just have a file of stuff to submit whenever they contact me.  I have never had any issues with the LTD but no sense poking a sleeping bear.)
Age at Application: 26 age of onset (but I did not apply until 28)
Date Applied: August 2011
First Approval/Denial Date: November 2011
Additional Info: I was fortunate to be approved on my initial application due to extensive medical records (12+ doctors) & documentation of unsuccessful work attempts even with significant accommodations
Lit Love
~ Platinum ~

People helped 258
Posts: 3184

« Reply #2 on: January 17, 2017, 10:51:20 AM »

Most require that you apply for SSDI within 6-12 months.  Since it's a disability policy, it would be expected that they want access to medical records, employment records, SS records, etc during approval and at reviews.  They can send you to their own docs for reviews, which SS also can have access to.  I haven't heard of LTD companies trying to increase CDR rates.  Anyone with an LTD policy should read the fine print in it closely.
~ Bronze ~

People helped 2
Gender: Male
Posts: 40

« Reply #3 on: January 17, 2017, 12:27:45 PM »

What is a LTD
Name: Bobby
Age at Application: 51
Disability: Polyneuropathy - Depression - RA -OA
Date Applied: 7-12-2016
First Approval/Denial Date: Approved 1-6-2017
~ Platinum ~

People helped 84
Gender: Female
Posts: 985

« Reply #4 on: January 17, 2017, 01:39:26 PM »

What is a LTD

Long-Term Disability (policies can be bought privately or are sometimes provided through an employer).
Name: Dawn
Location: IL
Age at Application: 31
Disability: Depression, anxiety
Date Applied: 11/2013
First Approval/Denial Date: 03/2014
Reconsideration Approval/Denial Date: 11/2014
Hearing Date: 11/13/2015 (Friday the 13th!)
ALJ Approval/Denial Date: 01/15/2016 Fully Favorable (rec'd 01/21)
Date Award Letter Received: 02/17/2016 (rec'd 02/20)
Date Back Pay Received: 02/13/2016 (paper check)
Additional Info: 02/09/16 mySSA account updated with approval info. 02/22 rec'd medicare card in mail. Hired lawyer after reconsideration denial. Requested an in-person hearing.
Leon Howard
~ Bronze ~

People helped 0
Gender: Male
Posts: 44

« Reply #5 on: January 17, 2017, 11:51:01 PM »

I had LTD when first applied. After two years. and many doctors they (LTD ). Found me not disabled now almost 7 yrs SSDi finally approved back to 2010. A lawyer told me ask for your records from LTD... You have a right to all your records... was also told do not take them out of order they are sent.
Location: Delaware
Disability: Adult onset Stills Disease, Mitochondrial dysfuntion
Date Applied: 2/2010
ALJ Approval/Denial Date: 12/2016 Approved
Date Award Letter Received: waiting still
Additional Info: remanded from Federal court to ALJ
~ Platinum ~

People helped 32
Gender: Female
Posts: 683

« Reply #6 on: January 18, 2017, 01:36:07 AM »

 Kudos03 Kudos04 Kudos02  Did you already receive your approval letter?

Name: Vicki
Location: IL
Age at Application: 59. Age now 62
Disability: Hypogammagobulimannenia , aggressive arthritis spine, 4 level cervical fusion, chronic pain, DDD,COPD,
Date Applied: 7/2013
First Approval/Denial Date: 11/2013
Reconsideration Approval/Denial Date: 5/2014
Date OTR requested: 6/2014
Hearing Date: January 19, 2016
Date Award Letter Received: February 3, 2016. per benefit letter on my SS website
Date Back Pay Received: February 4, 2016 direct deposit
Additional Info: fully favorable letter by mail Feb 6, 2016. Medicare started Dec 2015
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