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In Reply to: UNUM disability insurance posted by Teresa on December 05, 2001 at 10:01:15:
: I'm looking for any information from anyone else having a problem with their LTD. They paid the STD with no problem whatsoever. When it came time for the LTD, they suddenly decided I was well. There had been no change from the last month of my STD to the time I applied for LTD. I got denied but on the denial letter they sent, they said if I provide them with such and such I can appeal their decision. I provided them with it and 60 days later was denied again saying if I provide something else, I supplied them with it and was turned down again. This went on four times. This last letter didn't say about supplying anything else. My employer has gotten into it with them, my doctors have, all to no avail. It's time for an attorney but I would like any input into others problems, too. Thanks.