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LTD and Surgery

RFLO1RRFLO1 Posts: 23
edited 06/11/2012 - 8:33 AM in Health Insurance Issues
Hi everyone, I hope you are doing well. I just have a simple question. I have been diagnosed with severe spinal stenosis. However, I am on plavix for 5 stents and have had 2 close up in the past when coming off of Plavix. I would like to put off the fusion surgery for as long as possible. My question is, can my LTD plan deny benefits if I refuse surgery?


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