I am a cancer survivor; I was diagnosed with breast cancer stage 3 about at the age of 46. Over the past 12 months I had four surgeries, six chemotherapy treatments, 8 weeks of radiation and currently on hormone therapy. During my cancer treatments I was on Short Term Disability paid by my employer. After I exceeded my short term disability I applied for and was granted long term disability insurance under my (employer's group plan provided by The Standard insurance company.
While I have been in recovery dealing with several side effects of cancer treatment, after two and a half months my LTD benefits were suddenly terminated by The Standard. Unfortunately, I gave The Standard permission to obtain my oncologist chart notes, which resulted in The Standard taking the notes out of context, misinterpreting them, and using them to justify the cancellation of my claim. I would definitely like to appeal the Standard insurance company's decision on my claim.
Please provide any suggestions or advice how to approach my appeal?
