Terminations from LTD
Don’t get caught off-guard.
Many people purchase disability insurance to protect themselves should they ever become injured and unable to work. But sometimes, after initially paying benefits, an insurer will suddenly terminate those payouts. You were considered disabled and nothing has changed, so what’s behind this sudden cessation of benefits? If you’ve been flabbergasted by an abrupt and unexpected termination in your disability insurance benefits, reach out to the helpful legal experts at Andalman & Flynn.
You fought hard to get the long term disability benefits you deserve.
Don’t allow the insurance carrier to set you up for termination of these hard-won payouts. Get to know the most common reasons for benefits termination so you can be forewarned and forearmed:
- You are no longer disabled, or the insurance company finds this to be the case.
- Failure to apply for Social Security disability insurance (SSDI) benefits: Because insurance companies are allowed to offset SSDI payments against long term disability benefits, they naturally have an interest in seeing you approved for Social Security disability. Failure to file a claim with the Social Security Administration could result in your disability benefits being terminated.
- Failure to received regular medical treatment: Even if your doctor has told you there’s nothing else that can be done, you must continue ongoing visits. If you stop seeing the doctor, your insurance company may interpret your lack of treatment as proof that your condition has improved.
The list of possible reasons for termination is extensive and the system can be complicated. Having the qualified disability law team of Andalman & Flynn in your corner is a smart way to go.
If your benefits have been terminated, you’ve come to the right place. Andalman & Flynn is the name synonymous with decisive victories in cases involving disability law. Please contact us today to schedule a consultation.
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Client Testimonial – Insurer Granted Appeal Leading to Retroactive LTD Benefits
After my most recent spinal surgery in December 2018, I was unable to return to work full-time. My company provided Short-and-Long-Term Disability (LTD) benefits through an insurer. Based on their proximity and the user reviews I found, I contacted Andalman & Flynn (A&F) in February 2019 and subsequently chose to have them (Elliott Andalman, primarily)… represent me and handle my claim for LTD benefits. My claim was denied in August 2019. Based on their recommendation, we chose to have them file an appeal with the insurer, which was done in January 2020. In April 2020, the insurer granted the appeal and provided LTD benefits retroactive to April 2019. Throughout the process/ordeal, A&F was responsive, supportive, professional, and thorough. Without these qualities, we would have never successfully persevered or prevailed. I highly recommend their services to anyone in a similar situation. -J.E. Read more “Client Testimonial – Insurer Granted Appeal Leading to Retroactive LTD Benefits”