Answered on May 25th, 2013 at 6:52 PM
First, don't get advice about your legal rights from the insurance company. You may have other options of appeal concerning the long term disability (LTD) case. The time limits are usually very short, so it is important to seek help immediately. Consult with a local attorney about this issue. LTD cases are based upon a contract.
Second, assuming the facts are as you say, apply for Social Security Disability. Regardless of the outcome of the LTD case, it sounds as if you may be entitled to disability benefits from the Social Security Administration(SSA).SSA will make a new and independent decision about your disability and they will not base their decision on the LTD policy decision.
No attorney-client relationship has been established because of the information provided. Seek local counsel to address your particular facts. MJHJ