Discussion in 'Action Alerts and Advocacy' started by Nielk, Dec 31, 2015.
Read the rest and what you can do here
How long does LTD last?
I think that most LTD policies in The U.S. stop at age 65, although some have extensions until age 70.
I think LTD for reasons of "mental health" is usually restricted to 2 years.
That's how I lost my LTD coverage after two years. They claimed I suffered from a psychological illness. It is interesting to note that Social Security disability does not have this restriction.
I am very sorry your LTD was cut off because of incorrect (on their part) claims about the nature of your disability.
Please read an Update on the ERISA blog:
Yesterday, January 19, 2016 was the deadline to submit comments to the Department of Labor’s proposed new rules to the ERISA law which govern long term disability (LTD) policies. Jeannette Burmeister brought this issue to light with her blogs outlining the summary of the proposed rules, instruction and sample comment and additional guidance for commenting.
MEadvocacy.org’s advisory group composed and submitted their comment today in the hope that these new rules affecting ERISA law, if adopted, will improve the chances for disabled ME patients to collect their long term disability benefits. Please read more -http://www.meadvocacy.org/meadvocacy_submits_comment_to_dol
Just FYI, my own employer's LTD policy (covered by ERISA laws) had zero coverage for mental illnesses no matter how severe. So it's not always a game of approval and then denial after 2 years. My LTD claim was denied at the very start. It all depends on the LTD policy.
Many thanks to Jeannette Burmeister for posting so much helpful information on her blog and for submitting a comment. And thanks also to @Nielk & MEadvocacy.org for submitting a comment.
I sent in a comment via email but it was fairly short. Hope it helps. I noticed that the government website shows a total of 57 comments sent in.
Until the insurance company can come up with an excuse to deny your claim that they think they can win in court?
(only half kidding)
You can also try a Google Site Search
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