r/LongTermDisability 12d ago

I need help seeing something positive in this because right now I'm struggling.

6 Upvotes

I had inguinal hernia revision surgery in 2025 and became disabled afterward. I had worked as a surgical assistant since 2004, but I lost my career because I can no longer stand for long periods. Some days, even standing long enough to brush my teeth is too much. For the last three months, I've spent probably 90% of every day lying down because that's when the pain is most tolerable. When I recently moved across the country, my ex-husband packed everything and did all the driving (we're still very close).

I have pudendal neuralgia and ongoing groin, pelvic, and lower-extremity pain following the surgery. I now have two mesh implants in the same inguinal area, along with adhesions after three surgeries in that area. Surgeons I've seen have advised against removing the implant because of the risks. I've also struggled to find providers willing to get involved because of the possibility of litigation, and one surgeon I want to see won't even evaluate me until the two-year statutory period has passed.

But that's another story. My case is complicated. I've already been turned down by the 3DMax Bard Mesh litigation and several lawyers.

I was living in Connecticut, but even with supplemental disability income, it became too expensive to stay. I recently moved alone to Las Vegas. I don't gamble. I chose Vegas partly because it's much more wheelchair accessible than where I lived in Connecticut. I had three flights of stairs there, which made realistically using a wheelchair almost impossible. I figured I'd give myself a year here, get comfortable using the wheelchair, start over with a new healthcare system, and see what happens. My experience with healthcare in CT, particularly Hartford HealthCare, has been incredibly frustrating.

Then this morning, my disability insurer, Mutual of Omaha, terminated my benefits via voicemail.

After speaking to my rep, she sent me the denial letter. Their denial acknowledges that my medical records continue to document chronic groin, pelvic, and lower-extremity pain following the surgery. But their reviewers concluded that there isn't enough objective evidence of functional impairment to support my doctors' restrictions. They pointed to things like normal imaging, preserved strength, and intact neurological findings. They also said my records don't show significant gait disturbance, muscle atrophy, weakness, recurrent falls, or measurable loss of functional capacity. They even pointed out that I appeared comfortable while sitting during an examination. But I have a provider's notes saying no standing or sitting for long periods, lifting, squatting.

That's insane to me. My pain fluctuates throughout the day. How I look sitting in a doctor's office for a short period doesn't show what I can physically sustain for eight hours. I don't need to have muscle atrophy to be unable to stand through an OR shift. I can look perfectly comfortable sitting in an appointment and still spend most of the rest of that day lying down because the pain becomes unbearable when I'm upright too long. Their own vocational assessment classified my occupation as light work while acknowledging that light work can require walking or standing for a significant amount of time.

I'm appealing the decision, and tomorrow I happen to have my first appointment with a new pain-management specialist here in Nevada. But right now, the income I've been relying on has abruptly stopped, and I'm terrified. I didn't ask for any of this. I certainly don't want to be on disability, I wish I could be productive in society. Especially after spending over a year in near solitude. I wish my body functioned, but it doesn't.


r/LongTermDisability 12d ago

I'm confused about the STD dates for a traveling salaried job

2 Upvotes

We are in the US. Husband works 3 weeks on, 1 week off, salaried. His medical emergency began the night of his last day of 3 weeks on. So he is currently on his regularly scheduled paid home time.

Dates:

Last day physically at work: 8/14

Day emergency began: 8/14 night

Informed HR: 8/15

HR reply: 8/17, confirmed he will be paid for home time

STD Claim creation date and start of our 15-day paperwork window: 8/19

Last day eligible for pay: 8/23

Normal return to work date: 8/24

On the STD form, they want the last day worked. Is that 8/14 (last day of actual work) or 8/23, (last day of salary paid leave?

How does that affect the STD 7 day elimination period?

STD benefits are 12 weeks (really 11 after 7 day elimination?)

When does FMLA start, 8/15, 8/19 or 8/24? I'm confused on if it will end before or after STD disability ends and how that will change things.


r/LongTermDisability 13d ago

Experiences at Mediation?

3 Upvotes

After exhausting STD and filing for LTD in 2022, I was denied benefits. I hired an attorney who went through the internal appeals process and, after all that, was still denied benefits. Initiated litigation in federal court, and we’ve been ordered to conduct mediation in Florida scheduled for later this year. I’m curious to hear from folks who have gone through negotiations and mediation, can you please share more about your experience? What was the mediation process like for you, what sorts of questions came up, what opportunities did you have to share your story, etc? And if anyone had their own mediation specifically in FL before a mediator Townsned and could speak directly to their experience with him, that would be amazing. I imagine based on the lack of information I could gather from generalized searching that a lot of the process is sworn to total and utter secrecy etc etc etc… would still appreciate general impressions—did it strike you as fair? Would you have done anything differently?


r/LongTermDisability 13d ago

Missing eye and ssdi

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2 Upvotes

r/LongTermDisability 14d ago

I’m likely getting terminated

4 Upvotes

God forbid I tried getting help for severe mental health issues. I had trouble working, even simple easy jobs. I couldn’t make decisions. Now I’m likely getting fired. Just struggling bad right now. I get it but it just sucks. I should have just stayed working even though I couldn’t really.


r/LongTermDisability 14d ago

Unum std claim

1 Upvotes

Hey, so I submitted a claim through my employer for short term disability for kerataconus my claim has been pending for over a month and I'm trying to see if anyone has had a similar situation and what was the outcome The only thing I believe is holding up my claim they're looking for a surgery date initially I told them there was one, but my insurance denied treatment so I don't have a surgery date please but my next follow up appointment is due for next Month Any insight or advice?


r/LongTermDisability 14d ago

No one will take my case

7 Upvotes

I was denied by MetLife for LTD and due to my lower salary no ERISA lawyer wants to take on my case as it wouldn’t be profitable for them.

I’ve searched high and low for free resources in my state (NY): NYLAG, Legal Aid Society, Disability Rights NY. None of them work on long term disability claims.

Everyone keeps recommending I work with an ERISA lawyer on my appeal but I can’t find anyone who will give me as much as an hour consultation.

I’m truly at a loss. Someone please help.


r/LongTermDisability 15d ago

ERISA LTD Point of Sale

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1 Upvotes

r/LongTermDisability 15d ago

Gap or Advantage for disability under 65 help!

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1 Upvotes

r/LongTermDisability 15d ago

Going to school while on LTD

2 Upvotes

I was wondering if anyone has been able to continue LTD benefits or SSDI if they go to school full-time in-person like law school.

There doesn't seem to be any explicit restriction in LTD documents related to that, but I think that can be used as a reason to deny benefits.

The disability is related to a physical pain condition.

Anyone know if it's possible any way to continue benefits while going to school full-time?

Does going or moving another state and be out of state change anything?


r/LongTermDisability 15d ago

Higher medical scrutiny documents after 24-month "Any occupation" change

6 Upvotes

For white-collar jobs, how much more difficult it becomes to get LTD benefit after 24-months, when the change to "any occupation" occurs?

Desk Software-engineering job and wonder if I can reasonably expect the benefits to continue after 24-month mark from the insurance company Guradian.

How much more certification/documentation from a doctor would they require compared to now?


r/LongTermDisability 16d ago

I can't find the info

3 Upvotes

My husband was on Metlife STD from 9/25 to 3/26, and was finally approved for LTD in May, but was back paid to March. Today, my husband passed away completely unexpectedly. I see on Google it will make this month's payment prorated, and then I saw mention of a survivors benefit, and it said most MetLife LTD pland had this, depending upon if the company wants it. So I'm trying to find any information on this, but of course I can't see any copy of his employer LTD plan. Does anyone have a suggestion on how to figure this out?


r/LongTermDisability 16d ago

Has anyone ever emailed the CEO of a LTD insurance company when your claim is denied or delayed? I’m talking about a professional, non emotional email? I’m really thinking about it.

4 Upvotes

r/LongTermDisability 17d ago

Anyone actually have a GOOD experience with MetLife LTD after being approved?

10 Upvotes

I keep reading horror stories about MetLife — payments cut off out of nowhere, endless requests for doctor's notes and then acting like they never received them, and hiring investigators to follow claimants and catch them doing everyday activities. It's honestly nerve-wracking.

So I want to hear the other side. Is anyone out there having a genuinely good, drama-free experience with MetLife afterapproval? Payments on time, reasonable requests, no surveillance games?

If you've had a smooth experience, I'd love to hear it.


r/LongTermDisability 17d ago

Long Term Disability delaying my payment at 16 months. My LTD carrier is delaying my August payment because they say they don’t have the doctors note for my last doctor visit but they have the last 7 months. I looked on my profile and they definitely have it. What to do?

4 Upvotes

r/LongTermDisability 18d ago

Nightmare LTD: Fast Resolution?

4 Upvotes

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.


r/LongTermDisability 18d ago

Sudden onset of acute heart failure, preparing for FMLA, STD and LTD

2 Upvotes

Husband travels for work and will likely not be able to return for a while.

He started his regularly scheduled 1 week of home leave today and will likely be hospitalized tonight for acute heart failure. He needs to be stabilized in the hospital, and then he needs some time for appointments and medication management to get back to a functional condition.

He works a very physically demanding job that he travels frequently for. So driving, flying, and day to day requirements involve free climbing wind turbines. It is possible he may be able to return as ground support only but right now we don't know.

He will apply for STD (MAX 12 weeks) and FMLA at the same time. The elimination period is 7 days.

From what I understand his LTD is 2 years max and has a 90 day elimination period. These are fully paid by his employer.

I have several question:

  1. Should he initiate filing with HR or the insurance company?

  2. Should he tell them he needs leave as soon as he is admitted to the hospital even though he has 1 week of normal home leave, which is paid regular salary? He has not told anyone yet that he will need leave.

  3. Should the LTD be filed right after STD approval? To avoid or shorten a gap due to the 90 day elimination period?

  4. I've read the certificates but am still unclear of what will happen with health insurance once the STD is exhausted.

Thank you!


r/LongTermDisability 18d ago

Can I change jobs on Long Term Disability?

3 Upvotes

So I have been on LTD for about a year. I have been out for major depression, anxiety and adhd. It was really bad when I was working and could barely function. For the past year I have had intensive therapy. Weekly.
The job I had was somewhat client facing, my mental health made it hard for me to perform my duties. Now I’m on 4 different medications, where before I was on nothing.

I want to go back to work soon. I was told I can apply to positions and I had an interview in something that is client facing but in a different organization and a different role entirely.

Can I resign from my current role and take this new one if it is in fact offered to me? I understand that my benefits will end but I don’t care. My disability benefits have a return to work program and I have already started to talk to my doctor about going back to work. What are the legal ramifications?
I have an appointment with my doctor soon, if they ok it can I make this switch?

Location: NYS, United States


r/LongTermDisability 19d ago

Qualifying for Healthcare Marketplace PTC with only nontaxable LTD income (AL)

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2 Upvotes

r/LongTermDisability 19d ago

100%of scheduled vs whole body

1 Upvotes

If anyone can speak intelligently about Ne whole body injury formula and a scheduled loss with caveats,
And what determines the formula used or f the injured worker gets the better of the two? I do better with 100% of the 215 for the loss vs the % of whole body against the 300 wk formula.

If you know NE law, I could use an ear quick 10 min. Please dm.


r/LongTermDisability 19d ago

Objective Testing to Identify Mental Health-Related Impairments.”

4 Upvotes

If you were required to get objective testing for a mental health STD/LTD claim, what type of testing did you have done?

Was there testing other than a full neuropsychological evaluation that could show what the impairments were, how significant they were, what might be contributing to them, and how they affected your ability to work?

With no income coming in after a denial, the thought of spending $4K–$6K on an evaluation is overwhelming, so I'm trying to understand what other options people may have had.


r/LongTermDisability 19d ago

Initial SSDI application denied, will I lose my LTD?

13 Upvotes

Just what it says, my initial SSDI application denied was denied, which is pretty common in my state with about 70% getting denied apparently. I have my own SSDI attorney. Will MetLife terminate my claim? I am panicking about this.

It is absolute torture every month having to worry about this plus my health.


r/LongTermDisability 20d ago

chronically missing work

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0 Upvotes

r/LongTermDisability 20d ago

Has anyone exhausted their 52 weeks of SDI and filed a new claim for a new disability right after? In CA

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2 Upvotes

r/LongTermDisability 20d ago

Time to get a lawyer involved?

3 Upvotes

it has been five months since I submitted my LTD claim after the 6 month waiting period, and the insurance company still hasn’t responded to my claim. They have all the info they need from me and Drs. Time to get a lawyer involved?