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Long Term Disability questions (through employer)

AnonymousUserAAnonymousUser Posts: 49,671
edited 06/11/2012 - 8:28 AM in Neck Pain: Cervical
I had a one level ACDF in Nov., and have had some complications healing. I recently had an EMG, and the nerves in my left side are aggravated/abnormal. I am currently in PT and being treated for Thoracic Outlet Syndrome. I also have some lumbar problems.
I cannot return to work until I am 100%, per Human Resources, since this is not a work related injury. I have used up all of my short term disability, so my job is going to post my position but give me some sort of other work when I return. I am eligible for long term disability through work. The form I got in the mail is ridiculously long & is asking some pretty nit picky questions. They are getting all of the different drs. involved with office notes requested, etc...
My question is how specific do I have to answer all of these questions, & how will it determine my benefits? I feel that the drs notes/test results should give specific detail about my case. I don't want to put my benefits or job in jeopardy...but some questions are stupid!! I feel like they are trying to deny what is rightfully MY BENEFIT.
Anyone ever experienced this? Could you give me some advice?


  • I had to fill out the same forms. I briefly said my back hurt in November where I was off work 4 days then it eased up a bit then I felt such pain that put me on the couch for another 4 days and couldn't stand or barely walk in Feb '08 and got my MRI results. It was very sparse what I had to say and let the Drs and Specialists fill out all the info. They even called me at home and asked questions what is your typical day? I kept things brief and taking lyrica and I can't think proper as well as pain meds and muscle relaxants. Be brief. Good luck. Charry
    DDD of lumbar spine with sciatica to left hip,leg and foot. L4-L5 posterior disc bulge with prominent facets, L5-S1 prominent facets with a posterior osteocartilaginous bar. Mild bilateral foraminal narrowing c-spine c4-c7 RN
  • From what I've been reading/hearing you have to be very careful about what you put down or you will get denied. I am going to have to do the same thing you are. The info on my LTD form said that if I was already on STD then I would not have to fill out my part again as they would consider this to be all run together, STD on to LTD.

    I was told that the insurance company will do anything and everything to try to deny your LTD because it saves their company money. I also read that when they call you to remember they are not on your side and to be very careful on what you tell them. IF they think it's related to anything mental your benefits will be limited to a maximum of 2 years and then that's it. You cannot refile again.

    So please read all you can and read all the fine print. I love my HR but as soon as I mentioned LTD they got so silent and it took them almost a week to answer my questions as opposed to emailing me right back. It costs your company money as well and they really don't want to have that liability either. It's a double edged sword, they offer it as a benefit but hate to pay it.

    Good luck to you.
  • If it was me, I would probably consult an attorney. Either thru Legal Aid or low cost if you are short of funds.and who isn't nowdays. It shouldn't cost a lot to ask what the best way of handeling this would be. Good luck, and let us know how it goes.

  • Thanks, everyone for your input. I do have an attorney who says she'd look it over before I sign/send it out. I don't have any reason to "lie" or anything to hide, but it seems odd that they want to know how much time I spend on the computer, do I nap daily, how long of a car ride can I handle, and can I make supper or run errands during the week. That is all info that depends on my day, my pain level, etc... They even asked what types of vacations I'm planning or going. Not possible right now, I'm in the process of healing. I answered some questions very vague, saying I am not sure, do to the healing process.
    My employer gave me my pro-rated vacation pay saying it is lawful & standard procedure.
    Thanks, Amy
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