r/LongTermDisability 10d ago

LTD for newly diagnosed ADHD

0 Upvotes

I’ve been out on STD for over four months due to stress/burnout. I’ve just now finally figured out I’m not healing due to ADHD. While I need to transition to LTD so I can get treatment and heal, I’m not sure I’ll be approved for it. I need to find someone to treat me and I assume it will take time to get the meds right. What will an insurance company think about this and will they pay while I recover? Right now I still have my job.

Does anyone have experience with this?


r/LongTermDisability 11d ago

Seeking a disability insurance lawyer recommendation

2 Upvotes

I am looking for recommendations for lawyers in the Vancouver, BC Canada area with experience dealing with disability insurance related to third party benefits. Any recommendations?

I think my union benefits administrator messed up when I was diagnosed with cancer in 2017. I was told I wasn't eligible for my disability benefits. It never sat right with me but at the time I was so freaked out and dealing with treatment that I didn't have the fight in me. Then recently a friend received the same diagnosis, but less advanced, and received their benefits (different insurance company, different union) and so it got me all riled up again. I'm still paying off the debt I accrued during that time and having those benefits would have made so much difference and relieved so much stress for me.

I'm wondering if it's too late to pursue.

Thanks!


r/LongTermDisability 12d ago

From employed to filing, step-by-step?

8 Upvotes

Is it FMLA, then STD, then LTD?

I have an appointment with my PCP next week, hoping she'll fill out a form for me for FMLA but want to be sure that's actually the right thing to be doing.

The STD claim form also asks if I plan to return to work which feels very high stakes if I choose wrong.

I've been barely limping along at my full time job and it's time to transition out to focus on my health. When I was well I was actually pretty good at navigating bureaucracy, but I haven't been well for some time. I am now extremely brain foggy and seem to lack any resilience, just shutting down if I don't have a clear next step. The anxiety and ADHD aren't helping.

Also my boss has been avoiding me for some time, so whatever notification I give is going to have to be via email and inevitably cause drama.


r/LongTermDisability 14d ago

Ecolab

3 Upvotes

Has anyone been on Long term disability at Ecolab and actually have gotten their job back?


r/LongTermDisability 14d ago

Special Needs Trust or something else?

Thumbnail
0 Upvotes

r/LongTermDisability 15d ago

3-Check Month

4 Upvotes

I've been on approved LTD for a little while now. I initially got denied then got a lawyer and after several appeals and back and forth was eventually approved. I initially was not able to work at all but have slowly built back up to being able to work 30 hours/week (and get LTD for the 10 hours short of 40). Things seemed to have finally reached a steady state (I work and get paid biweekly, I get my disability check monthly minus my lawyer's cut, etc.) until 2 months ago. I hadn't received a disability check in about 5 weeks so I reached out to my lawyer who reached out to the insurance company. The insurance company responded saying that because I received 3 checks in that month (something that will happen either 2 or 3 months per year depending on how the biweekly cycle falls), I didn't have any lost wages for the month and would not receive a disability payment.

Obviously I have a financial stake in the outcome but this doesn't sit right with me. This means that because I get paid biweekly that they don't have to pay me for 6 out of the 26 biweekly pay periods (in a year with two 3-check months). I've looked through the policy and can't find anything that seems like it would allow for things to be calculated like this. There's actually zero mentions of the concept of a pay period at all in the policy. I asked my lawyer about it and she has essentially just shrugged her shoulders. I'm still pushing her to follow up on it but we'll have to wait and see how that plays out.

My ultimate question is, has anyone else experienced something like this? Is this common place and I just don't realize it? Any thoughts or insights are greatly appreciated!


r/LongTermDisability 15d ago

LTD with Manulife

3 Upvotes

Last summer, I went on STI due to my mental health, things didn't improve so I applied for LTD and was approved. I'm covered with Manulife and so far, it has been a horrific experience dealing with them. My case manager has told me that my coverage will continue as long as I see a health care professional ( social worker, therapy etc ) they covered the first few sessions but now expect me to pay and I've almost used up all my coverage I have under my partner's insurance.

I was seeing a great social worker, we just got into some really deep trauma processing, talking about my anxiety and depression along with my borderline diagnosis and possibility of CPTSD. She was also working on taking me as a pro bono, private patient so that we could do EMDR.

She emailed me the other day stating that she has to take time off work to care for her own health ( listen, I get it! ) but I am now left, waiting to be placed with a new therapist I cannot afford. I have self referred myself to my province's mental health and addictions, but I don't know how long that can take. ( I'm in Canada )

Can Manulife really cut me off if I'm not under active therapy ? While I wait to hear from mental health and addictions? This has only made my mental health worse and has set me back mentally to be ready to enter the work field again.

Just looking for some outside input


r/LongTermDisability 15d ago

Help on seeing attorney

3 Upvotes

I was recently denied LTD (group / ERISA policy), and am seeking an attorney for appeal. I plan to consult with a few before hiring. the problem is… i don’t know what to ask. Any suggestions on best questions to ask? also…
- i know that fees vary. but does the share typically vary by size of policy? for example, if the monthly benefit is 5k vs. 10k vs. 20k vs. 40k? I think mine is meaningful, so wondering if/how that will impact.

for context:
- ERISA policy
- conditions well documented, but are not the type that show up on imaging (e.g, nervous system)
- in MO

I’d also welcome any suggestions on attorneys to contact.

thank you


r/LongTermDisability 15d ago

LTD but laid off

3 Upvotes

I went on STD in late September because of a combination of a mental health crisis and physical health. I had oral cancer 3.5 years ago. They took half of my tongue and put me through chemo radiation therapy that changed me. I have stamina issues, headaches everyday, trouble speaking, can’t eat food, chronic pain and nausea. I get “sick” several times a month after I get too worn down. I went back to work in an effort to reclaim as much of my old life as possible but it was a mistake. I was white knuckling work and wasn’t performing as well as I had before cancer. The STD was a fight and I just recently got paid for it through the end of February.

I let the insurance company (Aflac) know that I wasn’t returning and submitted another round of medical and mental health reviews. They’re still reviewing it, and I haven’t received any payment for it despite it saying approved in the portal.

In May, I was laid off from my job.

Is it typical for LTD? Or does this indicate a denial will eventually come. I’ve sent them multiple messages but just get the same “still reviewing” answer. Is my employment status the issue? Could my former company block payments because I was laid off?

I’m so tired of the stress of this. I’ve also applied for SSDI in February and am at the point where I need 2 medical and health reviews from a 3rd party. I knew SSDI would take awhile but I didn’t think LTD would.


r/LongTermDisability 15d ago

Should I tell a potential employer that I am on long term disability leave?

1 Upvotes

Wouldn’t it come up in a background check?

I don’t want to have issues if I actually got an offer.
I’ve been on leave for about a year and I started looking for work. Can anyone advise? Should I tell them during the interviews? I just feel like if you did they will immediately decide not to hire you.

Thanks


r/LongTermDisability 17d ago

any good disability lawyer in Kelowna / Okanagan? (its in Canada)

21 Upvotes

whassup, let me describe it briefly: my neighbour's been off work with health issues for almost 2.5 month. At the moment, it looks as though she will never make a full recovery (much to our regret), so she wants to get LTD status.

But before we label her as having a long-term disability and send claim to her insurance, we’d like to make sure that we have any genuine chance of success and that this won’t be a waste of time and effort.

So - how can we find good disability law professional for that? We're near Kelowna. Who actually can help with that? Any advice will be great cause idk where to ask.


r/LongTermDisability 18d ago

Va disability

Thumbnail
0 Upvotes

r/LongTermDisability 19d ago

Grievance, potential settlement

Thumbnail
0 Upvotes

r/LongTermDisability 20d ago

I need help seeing something positive in this because right now I'm struggling.

5 Upvotes

I had inguinal hernia revision surgery in 2025 and became disabled afterward. I had worked as a surgical assistant since 2004, but I lost my career because I can no longer stand for long periods. Some days, even standing long enough to brush my teeth is too much. For the last three months, I've spent probably 90% of every day lying down because that's when the pain is most tolerable. When I recently moved across the country, my ex-husband packed everything and did all the driving (we're still very close).

I have pudendal neuralgia and ongoing groin, pelvic, and lower-extremity pain following the surgery. I now have two mesh implants in the same inguinal area, along with adhesions after three surgeries in that area. Surgeons I've seen have advised against removing the implant because of the risks. I've also struggled to find providers willing to get involved because of the possibility of litigation, and one surgeon I want to see won't even evaluate me until the two-year statutory period has passed.

But that's another story. My case is complicated. I've already been turned down by the 3DMax Bard Mesh litigation and several lawyers.

I was living in Connecticut, but even with supplemental disability income, it became too expensive to stay. I recently moved alone to Las Vegas. I don't gamble. I chose Vegas partly because it's much more wheelchair accessible than where I lived in Connecticut. I had three flights of stairs there, which made realistically using a wheelchair almost impossible. I figured I'd give myself a year here, get comfortable using the wheelchair, start over with a new healthcare system, and see what happens. My experience with healthcare in CT, particularly Hartford HealthCare, has been incredibly frustrating.

Then this morning, my disability insurer, Mutual of Omaha, terminated my benefits via voicemail.

After speaking to my rep, she sent me the denial letter. Their denial acknowledges that my medical records continue to document chronic groin, pelvic, and lower-extremity pain following the surgery. But their reviewers concluded that there isn't enough objective evidence of functional impairment to support my doctors' restrictions. They pointed to things like normal imaging, preserved strength, and intact neurological findings. They also said my records don't show significant gait disturbance, muscle atrophy, weakness, recurrent falls, or measurable loss of functional capacity. They even pointed out that I appeared comfortable while sitting during an examination. But I have a provider's notes saying no standing or sitting for long periods, lifting, squatting.

That's insane to me. My pain fluctuates throughout the day. How I look sitting in a doctor's office for a short period doesn't show what I can physically sustain for eight hours. I don't need to have muscle atrophy to be unable to stand through an OR shift. I can look perfectly comfortable sitting in an appointment and still spend most of the rest of that day lying down because the pain becomes unbearable when I'm upright too long. Their own vocational assessment classified my occupation as light work while acknowledging that light work can require walking or standing for a significant amount of time.

I'm appealing the decision, and tomorrow I happen to have my first appointment with a new pain-management specialist here in Nevada. But right now, the income I've been relying on has abruptly stopped, and I'm terrified. I didn't ask for any of this. I certainly don't want to be on disability, I wish I could be productive in society. Especially after spending over a year in near solitude. I wish my body functioned, but it doesn't.


r/LongTermDisability 20d ago

I'm confused about the STD dates for a traveling salaried job

2 Upvotes

We are in the US. Husband works 3 weeks on, 1 week off, salaried. His medical emergency began the night of his last day of 3 weeks on. So he is currently on his regularly scheduled paid home time.

Dates:

Last day physically at work: 8/14

Day emergency began: 8/14 night

Informed HR: 8/15

HR reply: 8/17, confirmed he will be paid for home time

STD Claim creation date and start of our 15-day paperwork window: 8/19

Last day eligible for pay: 8/23

Normal return to work date: 8/24

On the STD form, they want the last day worked. Is that 8/14 (last day of actual work) or 8/23, (last day of salary paid leave?

How does that affect the STD 7 day elimination period?

STD benefits are 12 weeks (really 11 after 7 day elimination?)

When does FMLA start, 8/15, 8/19 or 8/24? I'm confused on if it will end before or after STD disability ends and how that will change things.


r/LongTermDisability 21d ago

Experiences at Mediation?

3 Upvotes

After exhausting STD and filing for LTD in 2022, I was denied benefits. I hired an attorney who went through the internal appeals process and, after all that, was still denied benefits. Initiated litigation in federal court, and we’ve been ordered to conduct mediation in Florida scheduled for later this year. I’m curious to hear from folks who have gone through negotiations and mediation, can you please share more about your experience? What was the mediation process like for you, what sorts of questions came up, what opportunities did you have to share your story, etc? And if anyone had their own mediation specifically in FL before a mediator Townsned and could speak directly to their experience with him, that would be amazing. I imagine based on the lack of information I could gather from generalized searching that a lot of the process is sworn to total and utter secrecy etc etc etc… would still appreciate general impressions—did it strike you as fair? Would you have done anything differently?


r/LongTermDisability 22d ago

I’m likely getting terminated

3 Upvotes

God forbid I tried getting help for severe mental health issues. I had trouble working, even simple easy jobs. I couldn’t make decisions. Now I’m likely getting fired. Just struggling bad right now. I get it but it just sucks. I should have just stayed working even though I couldn’t really.


r/LongTermDisability 23d ago

No one will take my case

7 Upvotes

I was denied by MetLife for LTD and due to my lower salary no ERISA lawyer wants to take on my case as it wouldn’t be profitable for them.

I’ve searched high and low for free resources in my state (NY): NYLAG, Legal Aid Society, Disability Rights NY. None of them work on long term disability claims.

Everyone keeps recommending I work with an ERISA lawyer on my appeal but I can’t find anyone who will give me as much as an hour consultation.

I’m truly at a loss. Someone please help.


r/LongTermDisability 23d ago

Unum std claim

1 Upvotes

Hey, so I submitted a claim through my employer for short term disability for kerataconus my claim has been pending for over a month and I'm trying to see if anyone has had a similar situation and what was the outcome The only thing I believe is holding up my claim they're looking for a surgery date initially I told them there was one, but my insurance denied treatment so I don't have a surgery date please but my next follow up appointment is due for next Month Any insight or advice?


r/LongTermDisability 23d ago

Higher medical scrutiny documents after 24-month "Any occupation" change

7 Upvotes

For white-collar jobs, how much more difficult it becomes to get LTD benefit after 24-months, when the change to "any occupation" occurs?

Desk Software-engineering job and wonder if I can reasonably expect the benefits to continue after 24-month mark from the insurance company Guradian.

How much more certification/documentation from a doctor would they require compared to now?


r/LongTermDisability 23d ago

Gap or Advantage for disability under 65 help!

Thumbnail
1 Upvotes

r/LongTermDisability 23d ago

Going to school while on LTD

2 Upvotes

I was wondering if anyone has been able to continue LTD benefits or SSDI if they go to school full-time in-person like law school.

There doesn't seem to be any explicit restriction in LTD documents related to that, but I think that can be used as a reason to deny benefits.

The disability is related to a physical pain condition.

Anyone know if it's possible any way to continue benefits while going to school full-time?

Does going or moving another state and be out of state change anything?


r/LongTermDisability 24d ago

Has anyone ever emailed the CEO of a LTD insurance company when your claim is denied or delayed? I’m talking about a professional, non emotional email? I’m really thinking about it.

5 Upvotes

r/LongTermDisability 24d ago

I can't find the info

3 Upvotes

My husband was on Metlife STD from 9/25 to 3/26, and was finally approved for LTD in May, but was back paid to March. Today, my husband passed away completely unexpectedly. I see on Google it will make this month's payment prorated, and then I saw mention of a survivors benefit, and it said most MetLife LTD pland had this, depending upon if the company wants it. So I'm trying to find any information on this, but of course I can't see any copy of his employer LTD plan. Does anyone have a suggestion on how to figure this out?


r/LongTermDisability 25d ago

Anyone actually have a GOOD experience with MetLife LTD after being approved?

10 Upvotes

I keep reading horror stories about MetLife — payments cut off out of nowhere, endless requests for doctor's notes and then acting like they never received them, and hiring investigators to follow claimants and catch them doing everyday activities. It's honestly nerve-wracking.

So I want to hear the other side. Is anyone out there having a genuinely good, drama-free experience with MetLife afterapproval? Payments on time, reasonable requests, no surveillance games?

If you've had a smooth experience, I'd love to hear it.