Do I have legal grounds to appeal the LTD discontinuation/denial? If yes, how?

I am currently receiving workers comp benefits from my company in New York and not working for 1 year now. Three months ago an Independent Medical Exam determined that I'm 25% disabled. My company accepted the claim but recently reduced my benefit amount by 75% and can't offer me light duty work. One month ago, my LTD insurance plan at my company reviewed my disability status and decided that I no longer meet the Disabled definition under the plan and identified (through vocational assessment) that a gainful occupation (which meet my earning requirement) existed around my home and, therefore, I’m no longer eligible to receive LTD benefits.

1 answer  |  asked Oct 26, 2016 12:57 PM [EST]  |  applies to New York

Answers (1)

V Jonas Urba
Do you have a work comp lawyer? If so ask them if not hire one.

Many LTD plans require applying for social security disability which is a challenge itself. Probably should consult a lawyer for that as well.

No one can help you without reviewing your entire history, medical records, future needs and options, age, education, training and limitations.

Since few people could answer all those questions consult with and retain one or maybe more lawyers. Most of what you require would be contingent anyway. No win or benefits no fee.

posted by V Jonas Urba  |  Oct 26, 2016 4:15 PM [EST]

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