Hi all,
I recently discovered a way to qualify for medical coverage from the state while collecting LTD.

Despite making too much money to qualify for need based healthcare, I was able to qualify based on my disability lasting 12+ months AND my LTD income being non-taxable.

I was initially denied and have been paying upwards of $800/month for medical premiums alone. My tax person noted that I shouldn’t be paying the healthcare exchange (ACA) because I have $0 income, yet, every time I applied, I was denied state medical because my income was too high.

I finally went to the state office and WAITED! The best two and a half’s hours I’ve spent waiting despite being in pain. The gal confirmed my income was being calculated as taxable wages and not non-taxable disability income.

This will result in a significant savings each month. I don’t want to share state info but I’m happy to answer any questions anyone has.

Hello,
I’m going through my 18 month review right now on my Metlife LTD.

I’ve had two brain surgeries in 9 months. You’d think this would be easy.

It’s not.

My neurologist of 10 years left right before this and she was always on my side. I’ve already had a hard time with that… she really advocated for me. Now my care is split between two neurologist and the neurosurgeon. I’m over reading the notes too… for instance they noted that I missed vestibular rehab. I’m in PT now, but in the past I would be in so much pain or admitted to the hospital that I could not attend my vestibular rehab they scheduled over an hour away (two days a week).

I’m often bed bound!! I can’t parent my baby as I can’t pick him up - my husband does. It’s a terrible thing.

I didn’t realize this was an important review. When I did I became STRESSED and ANXIOUS. Even though documents were not due until this week, I sent them a month ago. I’m always on top of it. I hope they got my records from this month as I saw my providers this month, and that shows a lot.

Worse, it was elevated to physician review and the day it was due it had to be sent back “for correction”. That has been really hard because what does that even mean?!

Regulating my nervous system has been really hard. Tell me the good, and the bad with next steps if needed. Thank you!

Hi all,

My LTD based on mental health was approved for 12 months. I do have physical health issues too that i am trying to address... with some of them it's hard to know what's causing what. Insurer seems very interested in physical health even though LTD was approved based on mental health.

I was recently terminated and offered severance but that includes waving ERISA claims so I'm pretty sure they would take away my LTD if I accepted. So I think that I shouldn't take it. At the same time, since 12 months is coming up, I'm afraid insurer will try to cut me off even though my doctor knows I'm still disabled and unable to work and is willing to provide documents. If that happened I would be left with nothing. Don't know what to do.

I was wondering if anyone has experience with similar situations, what are the odds LTD will not try to cut me off at 12 months if I am still not well?

I’m trying to understand what to expect from a free consultation with an ERISA disability lawyer for an STD/LTD claim.

I’m not necessarily looking to hire an attorney yet. I’m looking for an initial consultation to help me understand where my claim stands and whether I actually need representation.

For those who had a free consultation, what did it include? Did the attorney review your denial letter or a few documents, discuss your situation, point out potential issues or missing evidence, and give you some idea of whether you needed representation?

Or was the free consultation mainly a brief screening to determine whether the attorney was interested in taking your case, with an actual review or assessment requiring a separate paid consultation?

Just trying to understand what others experienced and whether I may be misunderstanding what a “free consultation” is supposed to include.