When you rely on long-term disability benefits to cover your living expenses, having those benefits suddenly cut off can be devastating. Unfortunately, it’s a situation that many individuals face, often leaving them unsure of where to turn.

If you find yourself in this position, understanding your options and taking immediate action is crucial to protecting your rights and securing the benefits you deserve.

Why Are Disability Benefits Cut Off?

Long-term disability benefits can be cut off for several reasons, often related to disability claim issues.

Some common reasons include:

• Insurance Company Reviews: Insurance companies periodically review claims to assess if the policyholder still qualifies for benefits. They may determine that you no longer meet the criteria based on updated medical information, surveillance, or independent medical examinations.
• Definition Changes: Many long-term disability policies have a change in the definition of “disability” after a certain period. Initially, you may qualify if you’re unable to perform your occupation, but later, the definition may change to being unable to perform any occupation. This change often leads to benefits being cut off.
• Missed Deadlines: Failing to provide requested documentation or missing deadlines for submitting medical updates can result in the termination of your benefits.
• Dispute Over Medical Evidence: If the insurance company disputes the medical evidence provided by your doctor or requires additional information that isn’t furnished, they may decide to cut off your benefits.

Steps to Take If Your Disability Benefits Are Cut Off

If your disability benefits are cut off, it’s essential to act quickly to address the issue. Here’s what you should do:

Understand the Reason for Termination

Carefully review the letter or communication from your insurance company that explains why your benefits have been cut off. This will give you a clear understanding of the next steps you need to take.

Gather Documentation

Collect all relevant documentation related to your disability claim, including medical records, correspondence with the insurance company, and any notices you’ve received. This evidence will be crucial in challenging the decision.

Consult with a Disability Attorney

One of the most important steps you can take is to consult with a disability attorney who specializes in disability claim issues. An experienced attorney can review your case, advise you on your rights, and help you develop a strategy to appeal the decision.

File an Appeal

Most long-term disability policies have an appeals process that you can follow if your benefits are cut off. It’s important to adhere to all deadlines and provide the necessary documentation to support your appeal. Your attorney can assist you in preparing a strong appeal.

Consider Legal Action

If your appeal is denied, you may need to consider taking legal action against the insurance company. A disability attorney can represent you in court, fighting to have your benefits reinstated and ensuring you receive the compensation you’re entitled to.

How a Disability Attorney Can Help

Navigating the complex landscape of disability claims can be challenging, especially when your benefits are unexpectedly cut off. A skilled disability attorney can provide invaluable assistance by:

Understanding the specific terms of your long-term disability policy is critical. Your attorney can help you interpret the language of your policy and determine if the insurance company is acting within its rights.

An attorney can work with you to gather additional medical evidence or expert testimony that supports your claim and counters the insurance company’s arguments.

Often, a disability attorney can negotiate directly with the insurance company on your behalf, potentially resolving the issue without the need for lengthy appeals or litigation.

If necessary, your attorney can file a lawsuit to challenge the insurance company’s decision and seek the reinstatement of your benefits.

Conclusion

Having your long-term disability benefits cut off can be a frightening and overwhelming experience, but it’s important to remember that you have options. By understanding the reasons behind the termination and taking swift action—especially by consulting with a knowledgeable disability attorney—you can fight back against unjust decisions and work to restore your benefits.

If you’re facing a situation where your disability benefits have been cut off, don’t hesitate to reach out to the experienced team at Disability Attorney Services. We’re here to help you navigate the complexities of your claim and advocate for the benefits you deserve.