Comments on: Long-term disability claimants make perfect victims

By: Martin

Martin — Tue, 14 Oct 2008 16:29:16 +0000

It’s not only the disability companies who are the problem. I have suffered a few ruptured discs and have undergone a 3 level lumbar fusion. Although I can probably perform most of my duties from home, my employer will not allow me to work. The will not allow me either from home or part time in the office. Yes Met-Life was a royal PIA in the beginning of all this mess, but they have been civil thus far. I am waiting for the day that some investigator shows up at my house taking video of me tossing a ball around with my son on one of my good days. Ya see, the thing with me is I don’t care anymore. I have lost a nice 6 figure job, I have filed for BK and almost lost my house. Thank God I still have my family. Now if the ongoing situation worsens and the stress from dealing with it causes too many problems for my family via my employer or the Ins. Co., I can shoot 3″ group from 800 yards. And I will have no problem in making a statement for those people who’s lives are effected by the decisions made in the higher ups. I’m be damned if I will sit back and suffer and watch others suffer while some CEO walks away with a 25 million dollar severance package. So, do your homework and know your rights. Read the book and save the ammo.

By: Dennis

Dennis — Wed, 30 Apr 2008 04:17:13 +0000

People who take out LTD policies, dont take the time to read there policies, simply becasue the dont expect to ever have to use them! I paid into a LTD policy through MetLife for 27 years! I just recently had to file fot LTD for the first time in 27 year. I severed the nerves in my c-spine and out of the clear blue, became totally disabled do to an injury on the job. I then filed for Workmans Comensation And SSDI! Met Life put me through a living HELL asking for dotors NOTES! WE WANT DOCTORS NOTES!!!!! Then after I send them my doctors notes, they told me they couldnt understand them and accually told me to have my doctors to type them! MetLife has been paying me the 50% of my income. But I feel so sick, just waiting for the next letter from them asking me for something else, that is going to put me through another living hell! I just won an award from workmans compensation. MetLife wants it all! People do not realize that there LTD policies only alow them to earn anything other then what MetLife pays them! If you become permenantly disabled at 47 years old. If you sratch off a lottery ticket thatis given to you for your birthday and win $10,000.00 You better put that ticket in someone elses name, or good’ole MetLife will want it ALL! So, that $400.00 I paid towards a LTD policy for 27 years, has accually made me more ill then I already am.

By: robbie

robbie — Sat, 29 Dec 2007 05:19:27 +0000

i was on hartford LTD for 3 years,they did surveillance and had me going to the grocery store,and i never had told them that i couldn`t.they came to my house and grilled me for 3 hours and their investigator changed the statements that i made,not knowing anything about this process.this investigator had a laptop and a printer.he asked me all kinds of questions,related to what they had me on video doing,to see if i`d lie and i did not,the funny thing is i saw the dumb ass PI following me i knew something was up 2 months before and then they call and write me set up this interview.they sent the video to my doctor and then “cherry-picked” the sypnosis that they also sent my doctor.i told the guy i can use a computer and write and they told my doctor that i am an experienced typist and had computer skills like someone that has been trained for such work.i said i could do some household chores and some light yard work,but that i would pay for it and i took extra pain medication when i did these.they didn`t tell my doctor nothing about the pain meds.i `ve had a 3 level fusion in my neck.(c5-c7) and my surgeon says thatc3-c5 needs to be fused (i have terrible pain that radiculates down my left arm) he wants to go in and take the hardware out and re-do it all and then put in more hardware.at t1-t2-bone spurs.i have l4-l5 fused.t6-t10 all are herniated.i have scheurman`s(sp) disease with smorl`s nodes and some scoliosis,degenerative disc disease and spondylosis of the cervical,thoracic,and lumbar spines.there are numerous places in my spine that the herniations are causing pressure on the spinal cord according the mri`s,myeleograms,ct scan s and x-rays.folks do not take on these LTD people by yourself. i`ve had to increase the strenght of my pain meds 3 times in the last year.it seems they totally ignore your health problems.they will use dirt-ball tactics to keep from paying you.i hope to be approved for ssdi soon.i can`t tell other people what to do,but as far as i`m concerned hartford can take their money and stick it where the sun don`t shine. BIG WARNING TO FOLKS –do your home work when dealing with LTD insurance,they do not want to pay you and will look for every way out they can!

By: bobbie sanders

bobbie sanders — Tue, 27 Nov 2007 03:43:45 +0000

i was working as an key data operator and got injuried on my job i had to have surgery on my shoulders and hands for carpal tunnel as it turned out i woke up in a lot of pain to later find out i have fibromylgia and it is also work related state fund accepted the claim but told me that they would pay for medical and thats it i have no attorney and have to go to court on my own i am limited range an motion due to not having a bursa sac in either shoulder and i have arthritis bad in my neck and back plus hernited disc in neck and back

By: bobbie

bobbie — Tue, 27 Nov 2007 03:38:34 +0000

i was working as an key data operator and got injuried on my job i had to have surgery on my shoulders and hands for carpal tunnel as it turned out i woke up in a lot o pain to later find out i have fibromylgia and it is also work related state fund accepted the claim but told me that they would pay for medical and thats it. i have no attorney and have to go to court on my own i am limited range an motion due to not having a bursa sac in either shoulder and i have arthritis bad in my neck and back plus hernited disc in neck and back