u/BN_9_29

Im wondering if anyone has encountered this issue with their LTD claim. My claim was closed after 24 months. I submitted an appeal and it was denied. After careful reviewing the denial letter, I realized that they referenced the wrong employer and policy in their determination. Not once, but twice. It was two different companies that I have never worked for. It sounds like they use a template to send out these denial letters, but in this case they referenced the wrong policies. Not my policy. Is this legal??? Im so confused.