If an insurance company accepts a policy holder’s long-term disability claim, that does not guarantee coverage for more than 2 years. That fact explains the reason that the covered policy holder needs to watch of the appearance of certain clues.
Did the insurance company send a letter?
Sometimes an insurer sends letters out before any of the letters’ disabled recipients have reached the 2-year mark. That letter might suggest that the recipient appears unable to satisfy the requirements for continuance of benefits.
What are the new requirements at that 2-year mark? During the first 2 years, the policy holder must be unable to do his or her assigned job. After that span of time, the same policy holder must demonstrate an inability to do any job for which he or she has been trained.
There is another letter that sends a disquieting message, but it does not come from the insurance company. Instead it comes from a rehabilitation company. That letter’s appearance indicates that the policy holder is expected to undergo a period of rehabilitation.
A request for more medical information: That suggests that the existing information fails to support a policy holder’s disability claim.
A request for a scheduled meeting, which would be attended by a representative from the insurance company, along with the disabled policy holder/worker and the disabled worker’s employer. And then there are oral comments made by the adjuster
Why should someone that is receiving long term disability benefits watch for such clues?
If those benefits get denied in the near future, the disabled worker may have no alternate source of income. Obviously, no one wants to get stuck in that situation. Consequently, a smart worker arranges to meet with a lawyer, after noting the presence of such clues.
Personal injury lawyers in North Bay understand what actions to take in order to limit the harmful effects of denial of earlier payments. A lawyer’s experience can be used, in order to demonstrate the disabled worker’s need for the existing coverage. An attorney might be able to offer proof of the fact that the denied client already completed the requested training, and stands ready to use it.
In that case, the insurer’s denial could be questioned. If there was no basis for that denial, the insurer could be accused of failure to act in good faith. That is a strong charge, because the legal system expects all insurance companies to act in good faith.
Still, it takes time for an attorney to present a strong case against an insurer that has acted in bad faith. For that reason, it makes sense to consult with a lawyer, following the discovery of any of the clues that were listed in this article’s earlier sections.