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Insider Secrets About Long Term Disability Carriers Estimate Your Life Expectancy in Determining How Much to Offer You in a Buyout

If you’ve been receiving long term disability benefits during an any occupation period, a long term disability carrier might approach you about “buy out”. They are, in other words, offering to buy out your policy by offering you a lump sum of your benefits, reduced to the present value and based on your life expectancy.

Long term disability carriers have accuracies who do nothing but crunch numbers about a persons life expectancy.

These factors will include:

  1. Your family and medical history.
  2. Your blood pressure
  3. Age
  4. Weight
  5. Gender
  6. Diet
  7. Alcohol use
  8. Drug use
  9. Smoking use
  10. Medical condition
  11. The extent and nature of the treatment that you’ve receive for the medical treatment.
  12. The interaction of the drugs that you are taking
  13. National statistics on reduced mortality rates for people who have similar medical conditions.


If you’ve been offered a buy out of your long term disability benefits, you should consult Florida long term disability attorney Nancy Cavey who can help determine whether the buy out of your long term disability policy is in your best interest.

Unfortunately, long term disability carriers don’t make it easy for you to understand how they’ve calculated the value of your file and whether or not the buy out is in your best interest. Nancy Cavey, long term disability buy out attorney, is going to assist you no matter where you live in the United States.