If I am already receiving long-term disability benefits, what actions can I take to help prevent denial of disability benefits?

In order to help avoid denial by a disability insurance company here are a few actions a claimant can take:

Attorneys Dell & Schaefer represent claimants with the monthly claim handling of their long-term disability insurance claim.

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There are 6 comments

  • Dean, if you are already currently on claim for disability, then the policy language that was in force at the time of your disability would be in effect throughout the life of your policy. Any subsequent changes to a disability policy by your employer at a later date would not change the language used to evaluate your claim. If you have additional questions regarding your claim/policy please feel free to contact our office to discuss same.

    Stephen JessupJun 9, 2018  #6

  • If someone is already collecting LTD via an ERISA policy, can they change the policy which in effect would deny continued benefits to that person? Is the employer beholden to the policy that was in effect when the person was working or can they change the language/policy at will?

    DeanJun 8, 2018  #5

  • Tony,

    It is not uncommon for an insurance company to stop payment while conducting a review of a claim, but the amount of time that has passed since your last paycheck is somewhat unusual. Please feel free to contact our office to discuss your case in greater detail.

    Stephen JessupSep 18, 2015  #4

  • My long-term insurance company stopped paying me at the end of July 2015. The insurance company told me that they are reviewing my claim. Can they stop paying me while reviewing my claim?
    Thank You,


    Tony M.Sep 17, 2015  #3

  • CB,

    Thank you for your great questions. Please see our replies here and here.

    Gregory DellFeb 19, 2013  #2

  • Do insurance companies pay bonuses/commission to case managers if they can find a way to discontinue an LTD claimant’s benefits? Do you find lesser effort/scrutiny on the part of case managers after the “any occupation investigation” phase is over and the claimant’s benefits have been extended?

    CBFeb 16, 2013  #1

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