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I have been on LTD Since July 1 for Major depression and Anxiety with an attempt of suicide . I have been on work accommodations since 1996 for my back issues. Sitting and standing would aggravate my back issues causing me to go on short term disability multiple times over past years with the same insurance company that has granted me long term for my depression. Can I use my back issues in my long term claim at the two year mark ?

I'm very sorry to hear about your conditions.

Any medical issues that you suffer from, that are contributing to your inability to work, can and should be included in your application and relayed to your LTD insurer. Adjudicating "total disability" should be done holistically, taking into consideration all relevant medical issues.
Sivan Tumarkin
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