If I can not afford medical treatment can I still collect disability insurance benefits?
Disability attorney Cesar Gavidia discusses what options a claimant may have if they are unable to pay for their doctor’s visits.
Insureds often find themselves in the dilemma of not being able to afford their doctor visits, but pursuant to the terms of their disability policy or the long-term disability plan, they have to be under the reasonable care of a physician. Well, what do they do? Being under the reasonable care of a doctor for your disability is as important as being unable to work in your own occupation or in any occupation, the definition of total disability. So what you need to do is you need to sit down with your doctor, you discuss with him the financial situation you’re in, perhaps he’ll let you receive a discount on those office visits, or perhaps they’ll even discuss with you a particular payment plan to pay for those visits that you have to go to. If you do not treat with your physician, this could certainly preclude you from receiving benefits under your policy, which means the insurance company will not pay you.