[Sr. Mints]

curious of peoples insight/ideas/thoughts on this if you have any

in february I slipped on the ice and hit my head on a pole was diagnosed on a moderate concussion and told to took 10 days off work (and rolled that in to some already booked holiday time. then in March a few days after I returned to work, I fell down a flight of stairs, cracked my skull, spent 5 or 6? weeks I the hospital and have been doing speech language, occupational and physio therapy 4-5 days a week since.

I had no short term disability though work and s was basically on medical ei, but when medical ei ended and my LTD was to kick in--this week--I was denied coverage because I had a previous concussion in april 2017 – they said that was a preexisting condition

I am not sure what route to take next. Appeal the decision? my doctor have sent over all my medical info that specifically states that the april concossuon has nothing to do with what is happening now (I didnt even miss a day of work last april: I only went to the sheldon chumir because I walked into a low tree branch, banged head fell over, and thought I did something to my shoulder, and they said I probably had a mild concussion, and nothing showed up re: my brain on the imaging that was done).

The rehab folks suggest appealing might lead to a final decision of no, but I dont even know what that means for sure. i think it was just a thinking out loud comment one of them made this morning, they were quite disappointed in the news too but really didnt have any answers.

incidentally when I applied for LTD the plan was for me to return to work this fall, but I had some subsequent test done--a neuropsychiatric analysys --and now the physiatrist brain doctor says she doesnt want me back for at least 6-9 months. Some results came back where I am in the 90-99 percentile, but others such as memory and focus/concentration are in the 2-5 percentile, and I would just fail at my job and either get dismissed or frustrated and quit, she said

so now the plan is for continued rehab into january. The insurance company isn--or wasnt?--aware of the new return to work timeline when the denied my coverage. I only found that out this monday, and my coverage was denied tuesday, yesterday.

so: do I hire a lawyer for the LTD? the internet seemed populated with tfirms that specializes in that. But even if the decision gets reversed, will it all get eaten up in fees? or will it be 2026 by the time anything comes of anything? Is there a point to going that route? Or again, appeal the decision through insurance company?

I figure if i end up not beingable to go back--I am told that I likely will be able to return if I continue to make progress like I have been (and improvement is seen as long away of two years after I am told.) but in the case that I cant for some reason…. I dont know what happens then. the notification that I was denied has come as quite a shock .

Now Im thinking to just bail on rehab and try to return to work asap anyway? like get a bull#### CYA note from a walk in clinic note that says all set to return - thats all my employer needs to be satisfied. yes , i am told that is being irrational-- but what options is one left with? I have already taken approx 5 months off, another 6-9 just isnt going to happen

*excuse all the typos, writing this took my like 45 minutes