Recently, my Long Term Disability benefits were approved by LM & they paid me for 3 mos. (for my claim - major depression & anxiety based upon the information provided from my family practitioner that I've been seeing for 4 yrs).
After visiting a therapist (one time) & she submitted documentation to LM, LM abruptly denied my claim/benefits and they said that my depression wasn’t severe enough but I was bipolar!
I am very depressed, w/anxiety (chest pains, migraines) & insomnia (also other symptoms). I would like to appeal LM’s decision, but I don’t know what needs to be included.
My mother read that a lot of people who submit their appeals (on their own) are incorrect / insufficient & are immediately denied by insurance companies (especially LM).