Opinion ID: 201501
Heading Depth: 2
Heading Rank: 3

Heading: Wright's Application for LTD Benefits

Text: 14 Wright applied for LTD benefits on November 13, 2001. Meanwhile, Hartford referred Wright's STD claim to one of its Behavioral Health Case Managers for review. The Case Manager noted that [t]he only thing we have with all of these tests that were reportedly done is [Wright's] self-reported memory loss.... There are not other impairment[sic] noted and the info doesn't indicate how severe or mild that memory loss is as substantiated by neuropsychological testing. Id. at A282-83. 15 Concluding that there was no sufficient medical evidence of the severity of Wright's reported symptoms or any occupational limitations, Hartford denied Wright's STD benefits effective October 28, 2001. See id. at A185-87. On the same day, Hartford denied Wright's LTD claim, because its conclusion that Wright was not prevented from performing his job meant that one prerequisite under the LTD portion of the Plan (disability throughout the 26-week elimination period) was not satisfied. See id. at A214-16. In its denial letters, Hartford specifically invited Wright to submit test results and reports which document deficits in short term memory and how it affects your occupational functioning beyond October 28, 2001. See id. at A185-87; id. at A214-16.