This type of surgery would replace a lens in one eye due to cataract w/a lens that is not cloudy but also corrects vision. Lens on other eye would also be replaced only b/c your vision in each eye would be so drastically different, you couldn’t live that way.
Does Long Term Disability cover an eye surgery (necessity on one eye, not on the other) that is not done perfectly and therefore makes it where you are unable to work?
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Many policies state that you cannot file an LTD claim if you are still on your employer's payroll.
As in Social Security disability cases, the most important factor in proving your disability in an LTD claim is the opinion of your treating doctor. As part of your application for LTD benefits, your doctor will be asked to complete a form or write a statement regarding his or her opinion on your condition. Your physician's opinion is critical, but the claims administrator will also want objective proof of your disability. Therefore, the administrator will also request all the medical records related to your disability, including relevant clinic notes, lab results, x-rays, MRIs, exam findings, and surgical reports.
To show that your disability is ongoing, you should continue to receive treatment from your doctor while your LTD claim is pending, and even after you are approved for benefits. Failure to continue treatment may be grounds for the insurance company to cut off your benefits.