Add Comment Question: My LTD insurer denied my LTD claim. Now my employer has hired a Consultant to help me appeal my LTD claim and that consultant mentions an independent medical evaluation. Thoughts on my protection? Answer: Be very careful with relying on such a consultant. Appeals are generally useless. They have no teeth in forcing and insurer to change their position. Please call or email me at my contact info below and we can discuss your situation at no charge. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.