+Re:long term disability

[Guest guest]

[remembered a couple of important additional things]

When my partner went through his age-55 private disability review --

the occasion being that now his policy coverage definition changed, as

yours is doing, to " unable to perform any job " vs. unable to perform

his previous job -- I mentioned one of the aspects was an appointment

with a sleazebag disability review doctor for MONY. (How sleazy, you

might ask? The kind where the acoustical roof tile is aged and loose.

Just creepy.) I learned a couple of things about that appointment:

1) apparently my partner's notification form stated that he would be

reviewed in private unless he gave them 24 (48?) hour written notice.

I don't know how we missed this one, but we did. What that meant was

they *refused* -- and I was quite adament -- to let me accompany him

in to the appointment as his domestic partner / advocate. We /would/

be allowed to go together /if/ we rescheduled with their " required "

24+ hour notice, and went through that who travel-to-L.A. hassle

again... Denial of advocacy through hassle. If I had the opportunity

to re-do any one thing, it would be to bring an attorney to that

review appointment; as in getting advocacy for " You don't have to

answer that... " etc.

2) the doctor did an extensive writeup of his hour-ish review with my

ex, and we were provided a copy. Some of the big things I noticed in

his comments were a) the interview was videotaped [i would not have

allowed this if I'd been present] and BIG mention was made that

during the entire interview process at no time did my partner -- who

was accustomed to plowing through things just to get them done, even

if it meant he'd be wiped out afterward -- request a break, a sit, a

nap, etc.

3) it was very important for my own peace of mind to write a rebuttal

to the doctor's review notes.

Again, good luck with your policy review.

Warmly,

Wes