How to Remain “Compliant” on Long Term Disability (LTD) – Part 2

In our last post, we began talking about what it means to remain “compliant” with your LTD insurance policy while receiving disability benefits. This is an important topic to understand because non-compliance is a common reason that insurers cut off recipients’ benefits.

Discover the first two circumstances that may result in non-compliance here, and read on for circumstances #3 and #4.

#3 You refuse to attend an Independent Medical Examination or other assessment

When the insurer arranges for you to be seen by a specialist for an IME, you may be reluctant to cooperate, but if you want to protect your benefits, you will need to. The same goes for assessments by other health professionals that your insurer wants you to attend.

#4 You are not participating in rehabilitation program the insurer has arranged

The insurer’s #1 goal is to get you back to work so it can stop paying out benefits. For this reason, they often hire vocational rehabilitation consultants, who work with insureds to help get them ready to return to their old job or a new one. The vocational rehab professional will devise physiotherapy programs such as work conditioning or work hardening to help get you physically ready for work. If you don’t participate in these programs to the best of your ability, it might put your benefits in jeopardy.

If you are doing your best to meet the terms of your policy and the insurer is still saying you’re non-compliant, it’s time to get in touch with an experienced LTD lawyer who can advocate on your behalf. We invited you to contact us right away to get started.