Question

Are there any circumstances in which I can appeal LTD after the number of days Aetna gives you to appeal?

Asked on April 3rd 2019 by Sharon
My question: is there any circumstances in which I can appeal LTD after the number of days Aetna gives you to appeal a denial? I was approved on Aetna STD claim, I paid for and approved on a Aetna LTD claim that work paid for. I was on them for 2 years when the LTD needed a second Dr to say I’m disabled and that I didn’t turn in my forms by the due date so they stopped payments, was denied. They had April as the due date in the form letter. I called and she said it was a typo and the due date remained which was Feb and there was nothing I could do. That was Feb 2018. I have since been approved for SSDI and Aetna STD, that switched to LTD after a year I still receive. I had to call Aetna to ask questions because I recieved my SSDI award letter and I asked about that claim and she told me that I should have talked to her supervisor and not “just sit on my hands and do nothing”. I tried to explain to her what happened and she said if I have more than 1 letter w the typo that I should do something however, this is a year later. I was not aware there was anything I could do. The claim manager never told me I could appeal, she told me there was nothing I could do even if it was a typo. Can you still appeal after the appeal deadline has expired in this kind of circumstance? I didn’t understand appeals and I feel the claim manager lied to me about the typos. I do have several letters with that “typo”. She also never told me about appealing the decision.

Answer

Answered on April 3rd 2019 by Attorney Rachel Alters

Sharon, usually the insurance carriers are pretty strict and adhere to the appeal deadline which is set out in the ERISA guidelines. However, you may want to go ahead and send in the appeal, explaining why it wasn’t sent in a timely manner and see if Aetna will review it.