Rower Michelle Posted January 16, 2019 Share Posted January 16, 2019 Hi all- I’m hoping someone here has been through the employer sponsored disability insurance process. I filed for Short Term Disability in September when I was diagnosed with pneumonia. I thought I would take antibiotics rest up & be back at work. Then the cancer diagnosis came during an inpatient hospitalization. The PET scan has be at Stage IV with some bone Mets. Until the insurance company received my medical records they were aggressively managing my STD claim repeatedly asking about my return to work plan. Really?! After my medical records were received in late November, the STD claim was approved in full until March 12th. Today I received a call from my “case manager” that the insurance company will begin to transition my claim to the Long Term Disability Department. I was told this was standard policy as I’m 2/3 through the STD policy. I was having a good day up until this call & now I’m stressed. Given the rough start I got off to with this particular disability company, I’m wondering if there’s a possibility the LTD could be denied. With this diagnosis I couldn’t imagine that there would be any issues but insurance companies worry me in their quest to save money. The only reason I have a shred of sanity is that I’ve been able to focus full time on my treatment plan. I don’t see returning to my career as a viable option. If anyone has some insight as to what to expect and more importantly what I should be aware of that would be helpful. Hoping to shake off the impact of this call before bedtime! Thanks- Michelle Quote Link to comment Share on other sites More sharing options...
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