What are my obligations with the Long-Term Disability Carrier?
During an active long-term disability claim, you may have to provide information to your insurer to continue to receive benefits. The reason for this is as follows:
Reassessment of Benefits: Your insurance provider may reassess your condition to determine if the worsening disability affects your ability to work. This could potentially lead to an adjustment in your benefits1.
Medical Documentation: It’s crucial to keep thorough medical records and documentation of your worsening condition. This evidence can support your claim and demonstrate the progression of your disability2.
Appeals and Reviews: If your condition deteriorates and your claim is denied or benefits are reduced, you may have the option to appeal the decision. Consulting with a disability lawyer can be beneficial in navigating this process2.
Transition to “Any Occupation” Test: If your condition worsens after the initial period of receiving benefits, it may affect your ability to meet the “any occupation” test. This test requires you to prove that you cannot perform any job for which you are reasonably suited by education, training, or experience1.
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Disclaimer: The explanations and information provided here are for general informational purposes only and are not intended to be legal advice. Always consult with a qualified lawyer or legal professional for advice specific to your situation.