Will My Insurance Company Terminate My Long Term Disability?

Receiving long term disability benefits is a sigh of relief for all those who find themselves unable to return to work. However, if your insurance company is trying to rescind those benefits, you must read on and reach out to our experienced long term disability attorneys to learn more about how we can help you through the legal process going forward. Here are some of the questions you may have:

How long do I have to wait to receive my long term disability benefits?

Generally, when you file for long term disability, you will have to endure what is known as the elimination period. Essentially, this period is the amount of time that an individual has to wait to receive his or her long term disability benefits. Usually, these periods are somewhere between 30 and 90 days, however, there are cases in which you may spend up to a year waiting for the benefits you truly need. Once you begin receiving benefits, it is known as the “benefits period.” Generally, these benefits will continue for years, perhaps even into retirement.

Can an insurance company terminate my long term disability benefits?

Unfortunately, insurance companies are not always on your side. If they are not trying to deny you benefits in the first place, there’s a very good chance they will try and terminate them in the future. This puts many people receiving disability benefits on edge, and understandably so. Insurance companies will monitor your social media accounts, demand you provide regular medical documents from your physician, and even hire a private investigator to spy on you to ensure you truly need your insurance benefits. If you find yourself in a situation where your insurance company is threatening to terminate your benefits, you must retain the services of an experienced long term disability attorney as soon as possible.

Is there anything I can do to protect my long term disability benefits from termination?

One of the easiest, though perhaps most important things you can do is be wary of what you post on social media. It is not unheard of for insurance companies to use one of your posts against you, even if they have to take it out of context. If your qualification for LTD benefits has come into question, the most important thing you can do is hire Walker & Hern, who will tirelessly fight to defend your right to continue receiving these benefits. We are ready to help.

Contact our experienced firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern 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.