Sometimes, insurance companies may try to discontinue your long-term disability benefits, even though you may still need them. This can be a painful and worrisome experience if you try to fight that battle alone. There are several things you need to know if you find yourself in a situation where your insurance company tries to terminate your benefits.
How do long-term disability benefits work?
One factor in filing a claim for long-term disability is the length of the elimination period. The elimination period is essentially a waiting period, referring to how long the individual must wait to begin receiving his or her benefits after becoming disabled. Elimination periods generally are anywhere from 30 to 90 days, though they sometimes take months or even a year to clear. The second factor in filing a claim for long-term disability is called the benefits period. This is the length of time in which you will receive your benefits. Individuals may pay out benefits for years, or even until their retirement.
Why would an insurance company try to terminate my long-term disability benefits?
Naturally, insurance companies will begin looking for means to stop making payments towards your disability benefits. This means that not only will they be monitoring your social media, but they will also require medical documents from your doctors in order to prove you still qualify for these benefits. In some cases, insurance companies may even hire a private investigator to follow you around and record your movements on video, all just to ensure you are entitled to your payments–in their eyes.
What can I do to help protect my benefits?
One thing you can control is how careful you are with what you post on social media. Just as insurance companies may monitor your social media accounts after being involved in a car accident, they will also monitor your social media accounts to ensure your posts match the condition you are telling them you’re in. Additionally, if you hire Walker & Hern, they will stand by you every step of the way. When you are requested to answer questions by telephone, they will be present throughout the entire process. They will also work hand-in-hand with your doctors, responding to all requests for medical records and interviews.
Contact a trustworthy nationwide long-term disability attorney today
Ultimately, Walker & Hern will fight tooth-and-nail for the benefits you deserve. If your insurance company is requesting more information about your condition even after your disability claim has already been approved, you should consider speaking with an attorney. Likewise, if you or someone you know is in a position where long-term disability benefits are at stake, do not hesitate to contact an experienced attorney today.
Our firm has significant experience helping people just like you retain or defend their Long-Term Disability Benefits. Contact Walker & Hern for a free consultation.