I am 18 years with MS and had to stop working in January. I had a good run and now cannot work anymore due to my MS (+depression, anxiety & OCD). You would think that leaving my job and friends and having to move in with my parents would be hard enough...no I just got denied today for LTD by Cigna. Why do they have to kick me when I am already on the floor?! . I expected a first denial from SSD because they deny 70% and try to say you can do something else but Cigna says I can do my old job - which is impossible.
Anyone know if private companies like Cigna turn people down the first time to scare them away? Or maybe hope they don't have money to hire a lawyer? (I called one today).
I have 3 doctors backing me up. They gave no specific reasons for denying me...just said I could do sedentary work...I won't go into detail but my job involved more than just sitting. Idiots! Sorry just had to vent for a second. I am sooo frustrated. I stayed in bed for most of the day and don't want to go out at all...ever.
Any advice or prayers would be much appreciated. Thanks.
Oh and those parents I mentioned...it is tough loosing my independence but I have to say how very fortunate I am to have them. Gotta count my blessings...even though it is from under the covers.
Anyone know if private companies like Cigna turn people down the first time to scare them away? Or maybe hope they don't have money to hire a lawyer? (I called one today).
I have 3 doctors backing me up. They gave no specific reasons for denying me...just said I could do sedentary work...I won't go into detail but my job involved more than just sitting. Idiots! Sorry just had to vent for a second. I am sooo frustrated. I stayed in bed for most of the day and don't want to go out at all...ever.
Any advice or prayers would be much appreciated. Thanks.
Oh and those parents I mentioned...it is tough loosing my independence but I have to say how very fortunate I am to have them. Gotta count my blessings...even though it is from under the covers.
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