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April 2012 Archives

Am I required to undergo to an Examination requested by my disability insurance company?

Nearly every disability insurance policy contains a provision giving the insurance company the right to have a claimant (a person who has filed a disability insurance claim) examined by a doctor of its choosing. That same provision generally includes that if a claimant fails or refuses to attend an examination requested by the insurance company that benefits may be denied or suspended. As such, if you file a claim for disability benefits on the basis of a medical condition interfering with your work abilities, the insurance company generally has a right to "investigate" the medical condition that you claim disables you under the policy.

The Type of Disability Insurance Policy That You Have May Affect Your Rights And Obligations Under The Contract And Law

The type of disability insurance policy that you have may affect your rights and obligations under the contract and law. Typically, disability insurance policies will fall into one of three categories, based on how the policy was obtained: private, group, or association. It is important to understand what type of policy you have before pursuing a claim or attempting to fight a delay or denial of your benefits.

Social Security Benefit Offsets and Reimbursement Requirements

Long term disability insurance provides income to workers whose earnings are interrupted by a lengthy period of disability. However, it is important to recognize that under the terms of most employer-sponsored LTD plans and many group disability policies, Other Income Benefits (also referred to in many policies as Deductible Income) are factored into the monthly benefit calculation; and if rewarded, usually result in a reduction to the monthly disability benefit paid by the LTD insurance carrier. Other Income Benefits include Social Security Disability benefits, state provided disability benefits, worker's compensation benefits, disability benefits paid under certain pension and retirement plans, compensation from an injury settlement and/or benefits paid under another long-term disability policy.

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