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HadIt.com Anniversary 24 years on Jan 20, 2021
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Do I have any legal recourse here?


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Hey,
I've been on LTD for about two years due to mental illness & chronic pain. I had done multiple surgeries to treat endometrial cancer, which has left me disabled from work. My psychiatrist had helped me out with the medical questionnaire since my physician was reluctant to doing so. But I received a letter from my insurer saying that they need my physician to fill out a questionnaire for them; if not, they would cut off my benefits. Later, I asked them to send the forms to my doctor; however, I didn't follow up on that. Now they have been withholding my claim for three months. Do I have any legal recourse here? I've thought of contacting an ltd lawyer, suggested by my psychiatrist.
Any advice is greatly appreciated!
Thanks!

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Not sure about any legal resources but you can have your psychiatrist refer you to a medical physician and request an IMO (INDEPENDENT MEDICAL OPINION). Even if you contact a lawyer, they are going to

Hey, I've been on LTD for about two years due to mental illness & chronic pain. I had done multiple surgeries to treat endometrial cancer, which has left me disabled from work. My psychiatrist h

You were told if I am correct to send some forms to your doctor to give an opinion except you admit that you did not follow through. We cannot tell if you have been rated for any disability(ies). It s

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Not sure about any legal resources but you can have your psychiatrist refer you to a medical physician and request an IMO (INDEPENDENT MEDICAL OPINION). Even if you contact a lawyer, they are going to need a medical opinion of your condition and your ability to work.  If this is a military disability you can always put in for an increase. Also, you can have your psychiatrist refer you to a VOC Rehabilitation Specialist for a Vocational Occupation Opinion of your working ability and submit that to your insurance.  Others may chime in.

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On 11/18/2020 at 10:46 PM, Heback said:

Hey,
I've been on LTD for about two years due to mental illness & chronic pain. I had done multiple surgeries to treat endometrial cancer, which has left me disabled from work. My psychiatrist had helped me out with the medical questionnaire since my physician was reluctant to doing so. But I received a letter from my insurer saying that they need my physician to fill out a questionnaire for them; if not, they would cut off my benefits. Later, I asked them to send the forms to my doctor; however, I didn't follow up on that. Now they have been withholding my claim for three months. Do I have any legal recourse here? I've thought of contacting an ltd lawyer, suggested by my psychiatrist.
Any advice is greatly appreciated!
Thanks!

You were told if I am correct to send some forms to your doctor to give an opinion except you admit that you did not follow through. We cannot tell if you have been rated for any disability(ies). It sounds as if you are attempting to file that you cannot work (IU) or what.

I would wait hiring an attorney and ask more questions and ascertain more information first.   

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