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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Strategy - Insurer Tactics

Top 5 Tactics Long Term Disability Insurers Use to Terminate Benefits

Strategy - Medical Evidence Strategy - Appeal a Denial Strategy - IME Strategy - Insurer Tactics

Introduction

Many people assume that they can relax once their long term disability (“LTD”) claim is approved.  While it’s true that winning your long term disability claim is a big hurdle, it doesn’t mean you’re entirely in the clear.  Over time, your LTD insurer will continue to re-review your file and demand proof of your ongoing disability.

LTD insurers use a number of ploys to justify cutting off your benefits after your claim is approved.  Below, the NYC long term disability attorneys at Riemer Hess will discuss the five most common tactics used by LTD insurers to terminate long term disability benefits.

 

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Top 10 “Red Flags” That Endanger Long Term Disability Benefits

Strategy - Continuation of Benefits Strategy - Maintain Benefits Strategy - Red Flags Strategy - Insurer Tactics

Do you know the red flags that can trigger termination of your long term disability benefits after approval?  You should.  Raising just one of these red flags may be all it takes to be left without critical income for you and your loved ones.  Learn the top 10 red flags insurance companies use to terminate approved claims below.

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9 Common Mistakes in Long-Term Disability Insurance Applications

Strategy - Apply for Benefits Strategy - Evidence Strategy - Claim Forms Strategy - Red Flags Strategy - Insurer Tactics

To obtain long term disability (LTD) benefits, you must persuade the insurer that you meet the standard of disability in your policy or plan. Typically, you must prove that you cannot perform the material duties of your regular occupation. The insurer will rely heavily on your application and supporting materials to make its decision. A thorough, timely application significantly increases your chances of success.

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