Question
Why has Aetna denied my LTD claim I am objectively disabled?
Answer
John, the denial is likely due to the concept that “Diagnosis does not equal disability.” Meaning, having the diagnosis alone does not mean you are unable to perform the duties of your occupation. To prove disability you have to establish how the diagnosis is resulting in restrictions and limitations as they would relate to work. As your appeal has been submitted, and Aetna could realistically render a denial at any time, it would be best to act quickly to provide any documentation from your doctors to address that point. Aetna typically only allows one level of appeal, so if your claim is denied your only option would be to bring a lawsuit. If your claim is governed by ERISA only the information in the claim file at the time of the final denial can be considered by a Judge, as such it is crucial to have all medical evidence of your restrictions and limitations to them before that potentially happens. In the event your claim is denied on appeal please feel free to contact our office to discuss how we may be able to assist you in litigating the matter. I hope this shed a little additional light on your situation.
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Policy Holder Rating
Aetna STD has been a nightmare since the beginning
Reply
Aetna leaves me at risk of losing my job and without compension
Aetna puts their clients through hell with their games
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It's been over 3 months, and I've only received one payment from Aetna
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Aetna people are thieves, crooks and liars.
Aetna is definitely committing a crime and they need to be stopped.
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I hate Aetna
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Aetna denied me and then I got fired from my job
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