SSD and LTD

SSD and LTD

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J.J.Grey
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Joined: 06/23/2008 - 8:45pm
SSD and LTD

Well since we have lost all of our other posts on SSd and LTd, I thought that I would start by asking everyone with experience in applying or collecting SSD or LTD to post any useful info or tips on the subject. I am actually at the point with SSD that I have received my first denial, have appealed and am awiting that denial. I do collect LTD that I was lucky enough to have through my previous employer. Anyone with input or tips on the application process will be greatly appreciated.

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PebblesFlorida (not verified)
Title: Member
Great Topic

Hi,

I just applied for SSD and am waiting for approval for LTD. Haven't gotten the denial letter yet, because I just applied on 6/17 for SSD. But could definitely use some advice for that lovely day when the denial letter shows up. Although my WC Atty. handles that, I still would like any helpful information on the subject.

I can tell you that LTD you have to declare your own taxes, unlike STD. That was a new bit of information I found out from Aetna the other day. Whew...

jeauxbert
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Joined: 06/23/2008 - 9:11am
http://www.ssa.gov/disability

http://www.ssa.gov/disability/professionals/bluebook/AdultListings.htm

Visit this website.

If you have a specific question, I feel free to pm or email me. I will do my best to answer.

Be prepared to wait for your appeal. Here in Louisiana, it takes at least 2 years.

On the bright side, if the judge assigned to your case can approve your claim without a hearing, he will. But, he can't deny you without one. Also, a judge here will postpone a hearing and tell the claimant to get an attorney if they show up without one to the hearing. Continue getting treatment and sending in medical records to the Office of Hearings and Appeals - or to your attorney. If you request records for a disability claim, the State is supposed to pay for them, not you. However, they will charge your attorney, and you will have to repay that if your claim is approved.

Good luck to you both!

WIshing everyone here as many pain-free moments as possible!

Jeaux

J.J.Grey
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Last seen: 2 years 6 months ago
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Joined: 06/23/2008 - 8:45pm
Thanks Jeaux

For being so helpful to us with these ssd issues. I actually found out from my attorney that we have had 2 judges die last year and 1 transfer so it takes about three years in my area. Although my SS caseworker that is deciding my appeal has really seemed very nice and very helpful. So, I am hoping that by some miracle he will approve me on my first appeal. My atty. says that it is unlikely to be approved before actually being disabled for 1 full year. I have my fingers crossed. In my first denial they said that they believe that I am disabled but doubted that my disability will last for 1 year or more. BTW- You guys know me as sacrilizedinsc from the old site.

PebblesFlorida (not verified)
Title: Member
Thank you

Hi Ladies, THank you for the information. I spoke with SSD office on Thursday and am sending 10 signed copies of form SSA-827 so they can get all medical records as well as all medical evidence that I have in my possession. I have to get another birth certificate, mine is up in NJ somewhere

Pain, OMG I can't believe you had 2 judges die on you. LOL That's a darn shame. My WC atty. said that you only have 60 days to appeal your SSD so it is definitely better to file later then sooner in your recovery. I guess it's a tight balance, because you don't want to file too late either. I have a telephone interview set up next month re: SSI because WC cuts off at 104 weeks, which I'm almost 24 weeks into right now. So I'm just praying everything will go according to schedule.

I guess the bottom line is you want to have the fund approved and available for you rather than apply when you need them and have to wait 2-3 years for the approval.

Pain, thank you for the PM also, very useful, because I definitely have that issue.

Good luck everyone with your application process! We work so hard and then we have to fight so hard when we need our money that we paid into for so many years.

milliekeylargo (not verified)
Title: Member
Thanks,

Jeaux,
That is great information thanks for posting it!

bigcat90
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Joined: 06/17/2008 - 11:41am
My tip is

Have a good lawyer,be prepared for the waiting game,use other resoures when you are waiting,the wait can be up to three years,that is the hardest part is the waiting...

J.J.Grey
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Joined: 06/23/2008 - 8:45pm
You are right Pebbles

it is our money that we paid in to the system but now that we need it we are made to feel like we are asking for a free handout and lying about our condition just to get a fraction of what we made while working for the rest of our lives. Go figure. Surprise

PebblesFlorida (not verified)
Title: Member
Don't get me started

I hear you Pain, it's just so wrong! I swear after all of this back surgery stuff I think I'm going to become an advocate for Spineys. It's just a shame. And as a single person speaking the things us single spineys have to go through without any support from family or a SO, it's just overwhelming. It's a full freakin job being disabled!

boleksiak (not verified)
Title: Member
LTD and SSDI

I am really tired of dealing with my LTD insurance people. They are pissed because it has been five months and I have not received an answer on my SSDI claim. I have learned that my SSDI claim recently went from the state disability determination office to my local office. I call them and they said I should see something from Baltimore, MD next week.

I do realize that most of the SSDI lump sum will go back to the LTD insurance co and some to my lawyer but it is not my fault that I do not have a decision yet.

The people at the LTD insurance office also complained about how my family physician filled out the updated forms. My spinal surgeon filled them out the same way so I have the two doctors agreeing on paper that I cannot go back to work and yet a superviser for Hartford was saying that both doctors seemed to have my activity too restricted.

So far all of my shortterm and longterm disability payments have been tax free because I paid premiums for both of these insurances while I was working.

J.J.Grey
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Joined: 06/23/2008 - 8:45pm
Tax Free

Yes, I am in the same boat as you are Beverly. I do not have to pay taxes on my LTD either. That is the way that it works if you contribute anything to it. If the employer provides 100% of it then it is taxable. I have not had my LTD carrier give me a hard time about my SSD yet. Most of these cases take 2 -3 years to win and I am sure that Hartford is well aware of that. Most LTD companies will take extreme measures to stop your payments. Do you have a copy of your policy? This is very important.

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