If already reviewed approved and receiving short term disability benefits how can long term disability be denied only because they consider the problem to be pre-existing?

If Long Term Disabilty is denying you because on the date of the claim you were in the pre-x period then it would be forever. When the pre-x time is over - then it would cover a NEW claim. Not a pending one. Check YOUR actual policy for exact details. For more information www.SteveShorr.com/disability.htm