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Author Topic: Has anyone had a ltd insurer meddle with your ssdi  (Read 1636 times)

forumposter100

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Has anyone had a ltd insurer meddle with your ssdi
« 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. 

Helper

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Re: Has anyone had a ltd insurer meddle with your ssdi
« 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.)

Lit Love

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Re: Has anyone had a ltd insurer meddle with your ssdi
« 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.

bobby111

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Re: Has anyone had a ltd insurer meddle with your ssdi
« Reply #3 on: January 17, 2017, 12:27:45 PM »
What is a LTD

newdawn

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Re: Has anyone had a ltd insurer meddle with your ssdi
« 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).

Leon Howard

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Re: Has anyone had a ltd insurer meddle with your ssdi
« 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.

grove800

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Re: Has anyone had a ltd insurer meddle with your ssdi
« Reply #6 on: January 18, 2017, 01:36:07 AM »
 :Kudos03: :Kudos04: :Kudos02:  Did you already receive your approval letter?
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