Question

Why would Principal call about a procedure that has nothing to do with why I am receiving LTD benefits?

Asked on October 14th 2015 by Kevin
I am 56 years old. I have been receiving Long Term Disability benefits from The Principal and SSDI for five years. The reason was severe and advanced idiopathic peripheral neuropathy, most like genetic or auto-immune mediated. This diagnosis was backed up by repeated nerve conduction studies and a rural nerve biopsy. I have had several surgeries to correct foot deformity and have had multiple fractures and dislocations of bones in both feet. I have chronic nerve pain and fatigue, and need to rest in bed several times a day. Since going on LTD I have also become diabetic, and have been diagnosed with glaucoma, hearing loss, and severe spinal stenosis. A nerve conduction study indicated that the spinal stenosis was not causing the peripheral neuropathy; the neurologist said there was no reason to ever have another conduction study as my nerves are essentially gone. Last week I had a partial replacement of my left knee. Today I received a call from The Principal inquiring about the procedure and the physical therapy I am receiving. Why would The Principal take an interest in this, as it has nothing to do with why I am receiving LTD benefits? I am very concerned that they are going to somehow declare me able to work once my knee has heeled, as this is the only reason I can think of for monitoring my recovery. Is this possible? Should I be concerned?

Answer

Answered on October 15th 2015 by Attorney Stephen Jessup

Kevin, Disability insurance benefits will be predicated on any medical condition that affects your overall ability to work. It is not unusual that Principal would want information as to the surgery and PT notes. However, it does warrant some caution and reminder to Principal of the multitude of other problems you are having preventing you from working. Please feel free to contact our office to discuss your claim in greater detail.