• Are Functional Capacity Exams (FCE) in Long Term Disability Claims Good or Bad?Are Functional Capacity Exams (FCE) in Long Term Disability Claims Good or Bad?

Is an FCE Exam Good or Bad for a Long Term Disability Insurance Claimant?

A Functional Capacity Exam (FCE) is often requested by a disability insurance company in order to determine a long term disability claimant’s functional restrictions and limitations. There is a lot of debate about the pros and cons of FCE testing. When used in the right manner, the FCE can be a very valuable tool in supporting an individual’s claim for long term disability benefits.

In this video, long term disability lawyers Gregory Dell and Stephen Jessup provide information about how FCE exams are used in long term disability insurance claims. We have been very successful in using FCE exam results to prove our client’s disability. Contact any of our lawyers to discuss your disability benefit claim.

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There are 2 comments

  • Joe, it can have an impact in the sense the insurance company may argue that you weren’t under “reasonable care.” However, it is not uncommon that changes in insurance or problems with insurance in general happen. I would suggest you advise the carrier that you had an issue securing health insurance, thus the delay in being able to get back into/afford treatment.

    Stephen JessupMay 2, 2017  #2

  • Hi, my name is Joe. I have been approved for long term disability since September 2016. I’ve been receiving checks every month. I’ve been asked to send in all medical record from February 2017 to present. But have one question back in January I enrolled for the silver plan in bcbs to start in February 1st. One day before it started I canceled it because I wanted to get a plan together with my wife’s plan. She is a teacher assistant.

    So on the first day of her job which is February 1st she finds out she can’t add me. So I contact bibs and told them my situation and I wanted my policy to be re interested. They said it should not be a problem, but would take 3 weeks so 3 weeks pass and they told me to wait another 3 weeks and it should be reinsted. I had made my premium payment already. Even received the insurance cards. To make the story short. The couldn’t reinstate me. Was send over to get insurance thru obamacare. Was able to get insurance in march to be active by April 1st. I couldn’t get medical help for about 2 1/2 months until April once I got insurance and made appointments. I’m now on physical therapy and about to get an FCE done. Seen my physician and my chiropractor. I wanted to know if not being able to Se my physician and chiropractor for 2 1/2 months due to my insurance affect my long term disability benefits. Since their asking for all visits and notes since Feb 15th to present.

    Thank you
    Joe

    JOEApr 28, 2017  #1

FAQ

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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I have been very pleased with the services provided by Gregory Dell. His firm has always been reliable, courteous and professional. I am so relieved that he deals with my LTD provider and I have the peace of mind that is he working with my best interests in mind. Highly recommend Gregory Dell.

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