Can I live outside of the United States and collect long-term disability insurance benefits under my individual or group long-term disability insurance policy?
Answer: Like most answers to questions regarding long-term disability insurance the answer is predicated on the terms and conditions of the long-term disability insurance policy in question.
Foreign residency limitations will serve to either deny coverage and preclude payment of long-term disability benefits if the insured resides outside of the U.S. for a specified period of time, often six (6) months or more, or it will limit payments to a specified period of time, often no more than 12 months, if the insured resides outside of the U.S.
Most policies are silent regarding limitations on residency requirements, and the disability insurer will not deny or terminate a claim solely on the basis that the insured resides outside of the U.S. However, it is not uncommon to find a foreign residency limitation in many individual and group long-term disability policies. The existence of a foreign residency limitation in a policy will primarily benefit the disability insurance company. In fact, I can’t think of many benefits to the insured except that maybe treating physician support, to the satisfaction of the insurance company, may be easier to establish if claimant resides in the U.S. However, it is primarily a way for the disability insurer to ensure that it will always have the ability to easily manage the claim, interact with treating physicians without the existence of a language barrier, and of course to monitor the claimant – it can be difficult to conduct frequent surveillance of the insured when they reside in China or Europe.
If a disability claim is challenged on the basis of a foreign residency limitation it often involves the insurance company’s perception that the insured is spending more time in a foreign country than in the U.S. To wit, that the insured is not just spending a few weeks or months in their Bahamas timeshare, but rather, established residency and domicile there. Indeed, it is a question of fact and one can expect to have to produce substantial evidence establishing that they continue to reside within the U.S., e.g., copies of U.S. passport, including tourist visas; utility bills; federal and state income tax returns; property tax statements, etc…
If you have a concern regarding a foreign residency limitation in your individual or group long-term disability insurance contract, please do not hesitate to contact us. The consultation is free.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Sedgewich is the worst-immediate denial of all requests for treatment. Rubber stamps DENIED ALL RFA’s
Very very slow to respond
They leave you unable to fight
Reply
Hartford Stopped Payments
Prudential terminated my LTD, so now I have no income
Reply
Lincoln Financial made my life a living hell
Reply
They demanded an overpayment, stopped my claim, and lied about it
Reply
Sun Life is a real pain
Reply
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Guardian Disability Benefit Claim Handling Tips
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Is UNUM a Good Insurance Company?
Don’t Ignore Disability Insurance. Here’s What to Buy.
How To Get Long Term Disability Benefits Approved Due To Neck Pain
Lincoln Approves Long Term Disability Benefits After Four Year Fight
Cigna Sued For Failing To Make A Timely Decision on Appeal
Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal
Illinois Mutual terminates benefits for Tire Kingdom Service Manager After Review By Hired Physician
A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
Reviews from Our Clients






