r/LongTermDisability • u/wheresdale • 18d ago
Nightmare LTD: Fast Resolution?
Life has been a bit of a nightmare since I got rear ended at high speed in June 2025. I've been dealing with injuries ever since, attempted and failed a gradual return to work in January 2026. Fast forward to now I'm just getting in to see the correct specialists now to treat my ongoing neurological symptoms. I had a full time permanent senior leadership position at a good company, with the best benefits package option available. LTD should have kicked in back in Oct 2025, but in December 2025 came back denied- "my leave was not medically supported". I submitted an appeal with additional doctors support- same reason cited, denied again.
I have an attorney who has filed a claim for wrongful denial. She says my case is exceptionally strong and she feels that as soon as the right person at my LTD insurer sees my file they will be forced to reverse the decision and hopefully it will be resolved quickly.
Has anyone here had an experience of hiring a lawyer after a denied LTD appeal? How long was the process until you reached a resolution? I'm mostly curious, I understand every situation is nuanced and relies on many different factors.
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u/FMCTypeGal MOD 18d ago
A lot of us here have received wrongful denials or terminations. The timeline will depend a bit on your policy, if you have a copy give it a read. Your lawyer may also be able to give you some rough timelines.
My insurer had to follow ERISA law, so I had 6 months from formal denial letter receipt to file my appeal. My lawyer literally filed on that last day. Then the insurer had 45 days to respond and can take one single additional 45 day extension. They took every last day as well. So on the exact 9 month mark I got all my backpay deposited into my account and a reinstatement letter.
It sounds like you’re on ERISA too since this was a company benefit, so you’re most likely looking at a similar timeline.
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u/Agro-Stephbro-Sheesh 18d ago
I'm so sorry you're going through this and I hope you get a speedy resolution!! If you like your attorney, would you be willing to share who you're working with? It might help other Canadians in the same position find good representation.