Looking for ERISA attorney advice after LTD denial during SSDI process
I’m looking for advice from anyone who has dealt with BOTH SSDI and ERISA/LTD claims.
I stopped working in early 2024 due to chronic back/nerve issues after spinal surgery. I’ve been on LTD through a large insurance company since mid-2024.
I have an SSDI ALJ hearing scheduled later this year. My SSDI attorney was originally referred/paid through the insurance company’s SSDI assistance program.
I was just denied continued LTD benefits at the “any occupation” transition. Their denial basically says they believe I can perform sedentary work despite chronic pain, permanent restrictions, positional limitations, and ongoing treatment.
They relied heavily on:
- an older FCE
- “normal gait/strength” office exams
- transferable skills analysis finding sedentary supervisory/customer service-type jobs
I now feel like I may need:
- an ERISA/LTD attorney for the appeal
- possibly a different SSDI attorney before the hearing
Has anyone:
- switched SSDI attorneys before an ALJ hearing?
- dealt with LTD denial while waiting for SSDI?
- used an insurance company-referred SSDI attorney and felt comfortable (or not)?
I’m trying to be strategic and not panic-react, but I’m overwhelmed right now.