Long term disability carriers aren’t in the business of paying benefits! There real business is collecting premiums and investing.
The Transition in the Definition of Disability
An approval of your disability claim today doesn’t mean that they are going to continue to make payment of the benefits tomorrow.
It’s not uncommon for carriers to review files closely in the transition from short to long term disability, from long term disability, own occupation benefits, to long term disability, any occupation benefits, and after an award of Social Security Disability benefits.
Games Disability Insurance Carriers Play
Disability carriers will routinely ask you to fill out activity of daily living forms and harass your doctor with requests for Attending Physician’s Statement Forms to be completed.
Worse yet, if the long term disability carrier doesn’t like that your doctor says you are unable to work, they will pester your doctor asking for clarifications on restrictions and limitations until your doctor has finally had enough or, in conversation of the long term disability carrier, can see that you produce some form of sedentary employment.
You and your doctor need protection from the games the long term disability carriers routinely play in wrongfully delaying and denying benefits.
If you have purchased a long term disability policy through your employer as an individual, you should be prepared for the games that carriers play when you become disabled.