Your long-term disability payments have stopped because the insurance company may allege that you are no longer disabled. They could claim that there is a failure to provide required medical documentation or a failure to meet eligibility criteria. Your long-term disability insurance carrier might have you under surveillance. Their goal is to find a reasonable basis to terminate your claim.
Reasons Disability Payments May Stop
As noted above, there are several reasons why your disability payments may stop. Some may be legitimate, while others result from the insurance company’s error, or often, it is a deliberate effort to deny long-term disability claims. Here are the specifics:
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Reassessment of your medical condition
Insurers conduct regular reviews to ascertain whether the claimant still meets the disability criteria stated in their policy. If your medical condition improves, the insurance company will likely terminate your disability payments. However, insurers may determine your medical condition has improved based on a doctor’s opinion who has never met you but simply reviewed your paperwork. The insurance company will also attempt to find any weaknesses in your claim. These tactics often succeed, and eligible claimants lose their benefits.
Failure to provide required documentation
Insurance companies frequently request documentation proving that you continue to meet the disability requirements of your policy. That means submitting proof of regular medical examinations and certification by your doctor that you remain disabled. You may also be asked to submit to an independent medical exam or a functional capacity evaluation. If you do not comply by a specific deadline, your disability payments will stop.
Social Media’s Dangers
Social media is a good way to stay in touch with friends and relatives. It is also a good way to have your disability payments inadvertently stopped because photos, videos, or text make it appear that you no longer meet eligibility criteria. Insurance companies keep tabs on the activities of those receiving disability payments. They seek evidence of people doing things they allege they can no longer do because of their disability.
In some cases, insurers may hire a surveillance videographer to catch people performing an activity that disqualifies them from receiving disability. For example, you are unable to work because you cannot lift items weighing more than 10 pounds. A videographer may be in your neighborhood attempting to find evidence of you lifting and carrying grocery bags out of your car.
Get a Free Consultation from a Disability Attorney
If your disability payments stopped, contact the long-term disability attorneys at Marc Whitehead & Associates. We help clients gather, organize, and submit all the required information, documents, and materials that a disability insurance company requires to review a claim. Please call our offices for a no-fee consultation about the information you need to provide to reinstate your claim and the steps you will need to take. Our firm works on a contingency fee basis, meaning there are no upfront or out-of-pocket fees. We only get paid if you do.
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