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I have depression. My whole life. Its worsened since covid. Currently im approved for 1 year of ltd. But the insurance person is monitoring closely for when im "better". Ive never gotten better in my life, only worse. So im anxious about my future prospects for ltd
The anxiety i have anout my ltd ending is making me even less well. He's a nice guy but he's constantly trying to measure improvement that i font feel is really happening. It's frustrating.
Is this what ive explained a common issue?
I'm sorry to hear this. It is quite common for insurers to monitor your health and request updates, and generally have that right according to your LTD policy.
However, you should continue to receive LTD for as long as you remain disabled from working, until the end of your policy. If your insurer tries to cut you off or send you back to work before you and your healthcare providers say that you're ready to return, please contact us ASAP so we can help.
However, you should continue to receive LTD for as long as you remain disabled from working, until the end of your policy. If your insurer tries to cut you off or send you back to work before you and your healthcare providers say that you're ready to return, please contact us ASAP so we can help.