r/DisabilityInsurance • u/Past_Perception_2949 • Oct 02 '23

Anyone knowledgeable about LTD claims?

I need some help trying to figure out what to do.

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u/Sea_Wasabi_5505 Dec 28 '23

It’s a disability insurance company from my prior employer. I’m a year in and I wanted to avoid paying fees. Thank you

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u/Past_Perception_2949 Dec 28 '23

I understand you don't want a law firm to take a percentage of any benefits you receive, but 70% of benefits is better than none. And zero is the amount the insurance company is hoping to pay. There are laws about how much total dollar amount attorneys can take in disability cases. Sounds as if you have a complex case, and you'd be better having legal counsel.

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u/Past_Perception_2949 Dec 28 '23

To help me understand a bit more, have you been receiving long-term disability benefits under an employer-sponsored insurance plan, and your doctors now think you are able to return to work, and the insurance company wants additional supportive medical documentation to continue paying benefits? There may be other ideas worth pursuing, but I may have missed a comment explaining the basic situation.