How long can an insurance company make you wait to be approved for Long Term Disability?

Answers:0   |   LastUpdateAt:2012-09-05 19:45:05  

Sian x
Asked at 2012-09-05 19:45:05
So here it is. My husband has MS and was diagnosed 2 years ago. He is on infections and within the past 2 years has gone on short term then long term since Jan. Anyway every 3 months he gets reviewed and then waits approval for his long term. He also has been diagnosed with clinical depression and anxiety. Well Prudential is is the company that deals with the long term. He hasnt been paid in 3 months!! They have conviently not recieved the medical records that were sent out twice, then finally got all of them the third time. Now we have been waiting them to be reviewed for the last 2 weeks. I have talked to the person that is going to review them and she keeps saying it will be done tomorrow, but tomorrow never comes and she never returns my calls. When I do talk to her she just says she is sorry the doctor has not reviewed them with her yet and I get a line of excuses. This has affected my husbands health for the worst and he cant deal with her anymore, so I take care of it. She said one day the computers were down and today she said that his files were on back log, in short they havent got to them. How long can they make us wait? We are struggling terrible as we have 2 children and lots of bills. If there anything I can do. He did apply for SSD and they said they will have a decision in another month, I just dont know what to do about Prudential in the mean time. Can they make us wait and if so how long before I can really do something. I feel like I am caught between a rock and a hard place, as I dont want to be rude to this lady from Prudential because she kinda holds our well-being in her hands, but I am so angry. She's just giving us the run around. She did say once the review is complete he will get back pay, and promises that it will be complete by next week,but she is just a liar in my book. Any advise would help. We have even had my husband Disability Advocate contact her as well as his therapist, and they too have gotten the same story.... it will be complete by tomorrow. Please help our family is really struggling.

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