Any LTD lawyer advice?
I'm in San Antonio, TX. I need help/info with a LTD denial or appeal to see if it's worth it. Is it worth it to find a LTD lawyer? Sorry for the length. I don't know what's relevant.
The disability company (matrix) drug their feet the entire time while doing the STD claim. Due to that my insurance kept getting canceled for lack of payment resulting in an interruption in my medical care. Consistency with my medications was very important but impossible with out coverage.This has resulted in far more damage than if I had not gone through this process at all. When I told them that my STD claim was finally approved and at that point it had been well beyond the limit and I had to then apply for the LTD.
Around this time I got a specialist (therapist) and she helped with the forms. She raised the point that the information they had been asking of me was unusual and possibly HIPAA violations as they were getting information they really didn't need. ( I can't remember what specifically but it may have been full confidential therapy notes) The case manager kept insisting he have ALL info from my care providers. It was very uncomfortable to share that with them but I did because I thought I had to.
When I started the LTD they claimed they didn't have the information from the short-term and I had to resubmit it. I did. They claimed that they didn't receive it and I had to submit appeals. Then they finally denied me saying that my condition was treated in the months prior to starting this job. But I know I had given them any and all information prior to that because I didn't want to waste anybody's time. At least 1 of my conditions weren't even discovered until I was on leave. I had already been completely burnt out by dealing with this company. I had only been working at my job for 6 weeks when this process started and I honestly did not expect at all to get any sort of disability help. I tried because I obviously needed the insurance. At this point due to the stress, lack of medical insurance, constant interruption in my medications, inability to pay for my bills or care for myself, I barely leave the bed, hygine is non-existent, grinding teeth from stress, along with my debilitating mental health issues. I am at one of the lowest points of my life due to this process and that is saying something. I have non-stop panic attacks and agoraphobia resulting in me mostly being homebound and afraid to call anyone/lawyers. Truly don't know what to do. At this point I have such little ability to function and care for myself that I cannot get myself to apply for SSDI.
When I last spoke to a lawyer over the phone about my short-term disability claims they weren't really interested as soon as I told them I only make $20 per hour. I did not call another lawyer.
Due to my current mental state I'm finding it impossible to fully read and understand the denial letters. I'm sure their goal was to wait me out and wear me down, which they very much succeed at.
Is it worth it to proceed? Any LTD lawyer recommendations for me in Texas?
Posted Jun 23, 2025, 4:25 AM UTC