I think I messed up my chance with LTD due to me not doing enough research, any advice for my next steps going forward?
I applied for STD back in June 2025, since I have been out of work and it ended December 2025. After that it took some time to get the information needed for my LTD claim, but I was denied. The lady on the phone said I can appeal and honestly, I just went with it and immediately sent my appeal letter and gathered more info from my doctor and therapist. and during all of my time getting an information for my appeal, I completely neglected the fact that I should and need to get a lawyer before risking that because I only get one appeal. This is my first time going though this process and it sounds extremely ignorant but I honestly thought going through a lawyer was a process for SSI (this is disability through my employer, who has also terminated me by now and the company is equitable).
I am going to attempt to contact legal aid, but it may be too late for me (my appeal decision is June 6th). I take full responsibility for my mistake and not doing enough research in this matter.
That being said I reside in upstate NY and I will not be able to return to work anytime soon. If my appeal is denied and I can no longer get lawyers or myself involved with this company handling my long them disability claim what are my next steps? Do I have to apply for SSI or is there another means of LTD I can go through in New York?