r/LongTermDisability

I’m in shock. My pain management Doctor I have been seeing for 8 years got his DEA license revoked and all his patients are left hanging with no referred doctor and none of their medication which most were on opiods. I called the hospital they were absolutely no help. I need advice what to do. That Doctor kept me working for a long time. I am grateful to him. Now I’m in severe pain and don’t know where to go. I’m in the Chicago area.

This is long I apologize in advance,I just don’t want to forget anything an hope to get the best advice I can on what to do moving forward.

I’ve lived in my home for nearly 14 years.I’ve always took good care of the home.Never had any major issues.I had a health crisis a few years ago that left me paralyzed and bed bound.My husband is my caregiver,he takes care of me and our children.My landlord said she wanted to retire and is selling her houses.She set up a time it would be ok to show the house.I was uncomfortable having people coming in and out of my room while I’m bed bound but didn’t want to make anything difficult for her.I agreed for a guy to come look at the house to purchase with her husband…He walked in my room didn’t even say hello to me when he came to do the walk through and of course he’s the one that bought the house.I’m very good at reading people,there was something about him that just felt off to me.

The roof leaked last year and leaked through my sons bedroom ceiling,he hired someone to come do repairs the worker was only supposed to cut out the spot that’s damaged he reassured this when asked and explained about my breathing issues..well he decided to rip the entire ceiling out directly across from my room where I have oxygen and bed bound because my legs are paralyzed due to having Guillain Barre.My caregiver told him he’s going to have to just wait a little bit so he can get me moved somewhere else because of my breathing difficulties.I have collapsed lung and I’m a bad asthmatic.He refused and said he’s not paying these guys to just stand around and ordered them to continue.I had to get on prednisone and take round the clock nebulizer treatments for a few days because my asthma flared up and he could careless.Then after he repaired the leak damage in my sons room after 12 days of my son having to sleep on the couch while his workers were in there blasting music from 8am on he informed us he no longer wants my son to hang up his drawings on the wall he made in school…They were taped with scotch tape,no nails or damage was done.

He also said we can no longer have a above ground pool for the kids that once this one breaks we’re not allowed to put up another pool.My son is special needs.He’s severely autistic and swimming is his routine in the summer.He’s done it and looks forward to swimming every single summer.So not only did I have to tell him he can no longer hang up his artwork in his room now I have to tell him he also can’t have another pool.I have 2 conure birds,that’s all I can have because I’m allergic to everything else.Cant have a cat or dog.The cages are well kept up with,he seen the bird cage and said he’s adding a pet fee to the lease.Which was fine I understood that’s what some landlords do.

Next day he went to the basement and ordered his workers to rip an entire wall down never once told us what he was doing then left out the sunroom door so my caregiver couldn’t say anything to him.I became sick again.After he ripped a wall down in that room in the basement he locked us out of that room.Its a big storage room.My husband cleared it all out it stores all our holiday decorations but when my husband asked why it’s now locked and we have no key for it,he replied,we don’t need to have access to that room anymore?What?

It has just been non stop with this guy.He rides past the house a lot.We paid the rent these past four months he’s owned the house on time if not early but each month on the first he’s calling asking when we’re going to bring the rent.I just don’t understand why he’s like this we’ve always paid our rent on time so it can’t be our previous landlord saying we don’t pay on time because we most certainly do.I just don’t understand why he talks down to us and treats my disability like a huge inconvenience he knew I was bed bound when he looked at the house before buying.I admit the basement was a little cluttered because when my illness happened and my hospital bed and all my medical equipment was brought in all my furniture got put down there to make room.We since got a dumpster and got it cleaned out though.

Lastly we just got served with a non renewal of lease notice.My previous landlord turned down several buyers because they wanted us gone before sale of the house but this guy was the only one that would let us stay she said.Well now I received the non renewal notice.I asked my old landlord if she knew why he didn’t plan on renewing our lease and she said because he can’t make the upgrades to the house he wants to because of me and my families health problems so he’s not gonna renew my lease and throw us out then do it.

I’am just completely devastated my children go to a great special education program in the school district and I’ve tried to explain all this to him,I sent him a letter asking him to reconsider and showed him how nice I’ve kept the home in the previous years before my illness happened.I asked him if I can possibly stay and just buy a few more air purifiers to put in the home for when he rips more things down.Offered to pay an increase in rent but he can careless and never answered back.

I’m not at all a difficult person to deal with I just don’t understand why this guy is so hard to work anything out with.I’am absolutely terrified not being able to walk to go find a new house to even look at and my children losing their special education programs because this school district is so hard to get into.I’m so scared and worried an starting not to be able to sleep and that makes my neuropathy pain worse.I’ve never been thrown out of somewhere before.Is there anything at all I can do?I just feel totally overwhelmed and discriminated against because of my health problems.

Thanks for any help you can offer

Mandy

My husband has been dealing with a debilitating medical condition for over 5 years. Who would you recommend as the best disability attorney in the valley?

My husband has been dealing with a debilitating medical condition for over 5 years. Who would you recommend as the best disability attorney in the valley?

Hi - please be kind I am really struggling. I am on mental health leave from my job on STD and now applying for LTD. I don't have anyone to help and I struggle with the forms and a lot of worry, PTSD, issues to trust people. I tried to hire someone to help me know how to do this, but they took my money and didn't really help me. The insurance company sends me things that I don't understand, the authorization form asks for all kinds of private data not just medical. I'm trying to gather all of my office notes they need but I feel worried to give all of this information to them, even though I know that I need to prove the disability, it has information about my trauma and other personal details and I keep getting triggered. I cannot think clearly and it is so very stressful and I'm getting sicker because of it. I have a good doctor and therapist who have filled out the APS progress report forms and support me. But the insurance also asks for office notes, treatment plan, medication. Some of my notes I found error, so I want doctor to correct this. I need to provide them with the full record? Appreciate anyone who can help guide me, help me think through this - I could pay someone (not a ton) to help but have tried this and was taken advantage of so not sure how to find someone who knows about this and I can trust and understands I have struggles with communication. Also, I don't want to talk on the phone, I was going to try to upload documentation to the portal and can I email them with questions, ask for more time, and to confirm they received documentation? I don't have my claims reviewer's email address, not sure if I can get that.

I am doing research for a family member and am very confused. Unfortunately I do not yet have the full policy to look at.

This person signed up for LTD coverage via Madison National Life, policy effective 1/1/26. They were diagnosed with severe depression (mental health) in October 2025.

This is during the lookback period, and of course would be in the 12 month exclusion period even if the diagnosis waited a few months.

However, it seems like they will still be disabled for this mental health condition starting on 1/1/27 most likely.

What I cannot figure out, is if they will start covering the disability on 1/1/27. Not for "back pay" or anything, but for dates going forward... or if they are excluded "forever" for the duration of this disability.

Any help?

As of June 30th 2026. Been contacting law offices. I’m nervous. Am i on the right track?

Hi everyone.

Summary:
My STD expires in about a month, and I filed for LTD with MetLife about a month ago. I have DDD, and severe spinal stenosis in both my lower and neck. I knew about the lower back and had surgery some time ago but it’s not totally resolved and the DDD is not at all resolved. I just found out about the cervical stenosis as I’m having a lot of symptoms.

I filed everything with MetLife, had an interview and gave them all the info they asked for. I just got a letter that my file went to a nurse and they need about 30-45 days to make a decision.

Is this normal? Do I do anything like call them and ask for a status or if I can give them additional information? Do I leave it alone?

I’m in pain every day and cannot imagine that this will be declined but have heard nightmare stories.

Hoping for advice.

Thanks.

I am awaiting a decision on an LTD claim with NYL for extreme fatigue from multiple sclerosis.

While speaking with my NYL advocate today, she mentioned that my doctor has approved me for “light work” and my management role is considered “light work”. My advocate now must have a nurse and doctor review my claim.

My fatigue is such that I can do a basic activity (like shower or prepare a basic meal) but then I need to rest, for up to a couple hours depending on the activity. If I have a day with 4+ basic activities, I need to rest on the couch for the majority of the next day. Returning to my prior role of “light work” is out of the question. I don’t even think I could drive to work and back home 5 days a week.

Reviewing my neurologist’s clinical notes, my fatigue was noted but not its severity. My neuro is moving next month, and I am starting with another doc in the practice.

Am I destined for a denial since my doc has told NYL I can do light work, and my job is light work?

Is there anything further I can do now to help my claim get approved?

Thanks

I am 54 and just started a LOA from work yesterday. I do think the claim will convert to LTD. In speaking with an Erisa attorney they think I should retain them for both the STD and LTD portion. For those of you who have dealt with the LTD claim process, looking back would it have been beneficial to have had an attorney at the beginning. It’s obviously expensive.

I just hit my 2-year mark working as an STD Specialist and was recently offered a promotion to the LTD team. Initially, I was super excited about making the jump, but now that it's getting real, I’m getting a bit of cold feet. I want to make sure I'm making the right move for my career and work-life balance.

For those who have made the switch from short-term to long-term disability, what does your day-to-day actually look like? How does the daily stress and pace compare to the high volume of STD?

Any insight would be greatly appreciated!

Hello!

When retaining an LTD lawyer or hiring them for an appeal, is it common for the fees to be based on the gross or net amount of benefits? E.g, based on the total amount of disability benefits (gross) or just the amount LTD pays after factoring SSDI (net)?

Thank you!!!

My husband went out of work Dec.8 2025. Long story short he had an infection in his wrist (dominate hand) that went septic. He had 2 seperate hospital stays and surgery on his wrist. He works in a large food factory. They want this paperwork for LTD back by 7/5 but he doesn't go back to the dr until 8/6. He is in PT but because he works in a factory and this is his dominate hand the dr wants him to have full ROM back before he goes back to work. He is close but not there quite yet. So if he goes on LTD it would only be for a few weeks to a month max. Will they deny him because he is so close? If anyone attempts to answer and you need more clarity- I will do my best. This is the first thing like this I have ever had to do for another human and I feel so lost. I got to the question "why are you unable to work" and the answer that he cannot make a fist fully just seems laughable. Any help would be do appreciated thanks in advance!

Im from Burnaby and I recently got denied LTD after chemo recovery, even tho my oncologist says im still way too weak for any kind of work... tbh its all so stressful. Never used services of disability lawyers, but it seems there’s no way round it here, so does somebody know decent Vancouver disability lawyers who actually fight these types of cases?

I may not actually be able to get a lawyer at all and may just be sol but figured I’d try asking. I’m based in upstate ny and need help with my appeal but cannot afford a flat fee or hourly. I also honestly don’t know for sure how much in back pay or what my pay would be for LTD but I need an affordable lawyer if anyone can help. My policy does not include an attorney. Thanks.