LTD Denial Overturned – Pennsylvania Teacher (Non-ERISA Plan)

The client suffered from a complex combination of conditions, including fibromyalgia, POTS, chronic fatigue, immune dysfunction, and severe cardiovascular instability, resulting in profound functional limitations.

Our administrative appeal included a Functional Capacity Evaluation, treating physician opinions (TMSS), an independent medical exam, a detailed vocational report, and extensive medical documentation demonstrating the client’s inability to sustain competitive employment. Upon receipt of our appeal, Sun Life reversed its denial and approved benefits in full.