Answers to Your Frequently Asked Questions About Long-Term Disability Insurance Claims

 

Long-term disability insurance lawyer Corey Pollard protects the rights of policyholders in Virginia, Maryland, North Carolina, Washington D.C., and Pennsylvania. We make sure that you get paid benefits pursuant to your insurance coverage and that the insurance company does not push you around.

 

Below are questions to some of the most common questions we get about long term disability claims. Remember that our answers aren’t legal advice and that you should consult an attorney to discuss the specific facts of your case. If you’re ready to talk with an attorney, call, text, or e-mail Corey Pollard today.

 

  1. Are long-term disability insurance benefits taxable?
  2. Can ERISA disability benefits be garnished?
  3. Can family members collect any payments under a long-term disability policy if the insured dies?
  4. Can I collect long-term disability benefits while receiving unemployment benefits?
  5. Can I earn money while my long-term disability insurance claim is pending or while I am receiving monthly benefits?
  6. Can I file a long-term disability insurance claim if my employment is terminated?
  7. Can I pursue my long-term disability claim if I file for bankruptcy?
  8. Can I submit additional information and medical records after the disability insurance company enters its final denial of my claim?
  9. Can I volunteer while receiving long-term disability benefits?
  10. Can my long-term disability benefits be denied because of a pre-existing condition?
  11. Can the disability insurance company contact my employer?
  12. Can the insurance company talk to my treating physicians without telling me?
  13. Can the long-term disability insurance company conduct video surveillance without my permission?
  14. Can the long-term disability insurance company force me to have surgery to collect benefits?
  15. Can the long-term disability insurance carrier interview friends, family members, neighbors, and others to investigate my past?
  16. Can the long-term disability insurance company sue me to recover a SSDI overpayment?
  17. Can you work while collecting long-term disability benefits?
  18. Does it matter who pays my long-term disability insurance policy premiums?
  19. Does the long-term disability insurer have to offer me a lump-sum buyout of my disability policy?
  20. Does the long-term disability insurance company have to pay me benefits if I’m approved for Social Security Disability Insurance (SSDI) benefits?
  21. Do I have a bad faith claim against my disability insurance company?
  22. Do I have to attend a scheduled functional capacity evaluation or independent medical examination?
  23. Do I have to give the long-term disability insurer copies of my federal and state tax returns?
  24. Do I have to repay some of my Social Security Disability benefits to the long-term disability insurance company if I’m approved?
  25. Do I have to send the medical authorization release form back to the disability insurance company?
  26. Do I have to sign the Social Security Disability reimbursement agreement that the long-term disability company sent me?
  27. Do I have to use the Social Security Disability representative referred by my long-term disability insurance company?
  28. Do I need to talk with a lawyer before filling out the initial claim form for long-term disability benefits?
  29. Glossary of long-term disability insurance terms
  30. How can having a long-term disability insurance attorney help me?
  31. How can I get a copy of my long-term disability insurance policy?
  32. How do I determine my date of disability?
  33. How do I know if ERISA governs my long-term disability insurance claim?
  34. How do long-term disability insurance companies calculate the value of a lump-sum buyout?
  35. How does my medical history impact my long-term disability claim?
  36. How important is it to have the support of your treating physician in a disability insurance claim?
  37. How long do I have to file an ERISA disability appeal?
  38. How long does the disability insurance company have to make a decision on my claim and appeal?
  39. How long will my long-term disability insurance policy pay me benefits?
  40. How much time do I have to file a long-term disability claim?
  41. How much time do I have to file an administrative appeal of my long-term disability claim?
  42. How much will you charge to represent me in a long-term disability claim?
  43. How often can the long-term disability insurance company require a Claimant Statement?
  44. How often do I need to treat with a doctor to qualify for long-term disability benefits and to continue receiving them?
  45. How will the disability insurance company define my occupation?
  46. If I’m already receiving long-term disability benefits what should I do to make sure they don’t stop?
  47. In what court can I file my long-term disability lawsuit?
  48. Is the insurance company allowed to videotape me if I have a pending long-term disability claim?
  49. Is video surveillance footage enough to deny my claim for long-term disability benefits?
  50. My long-term disability carrier asked me to apply for Social Security Disability benefits. Do I have to?
  51. My claim was approved. How soon will I receive long-term disability payments?
  52. Should I allow the disability insurance company to interview me at home?
  53. Should I consider a lump sum buyout of my long-term disability insurance policy?
  54. Should I give the long-term disability insurer the documents it is requesting?
  55. The insurance company doctor says that I’m malingering. What does that mean
  56. Tips for buying a great long-term disability insurance policy
  57. What are my options if the disability insurance company denies my claim?
  58. What are my options if the disability insurance company does not respond to my appeal within the stated timeframe.
  59. What are residual disability insurance benefits?
  60. What are the most common disabilities that are challenged by disability insurance companies?
  61. What are the most common disabilities that lead to an approved long-term claim?
  62. What are the most common mistakes made on long-term disability insurance claim forms?
  63. What are the most common reasons that a long-term disability insurance claim is denied?
  64. What can I do if the long-term disability insurance company is making late payments?
  65. What can I expect from an ERISA disability lawsuit?
  66. What impact will an employee severance agreement have on my LTD claim?
  67. What is a contestability clause?
  68. What is a functional capacity evaluation (FCE)?
  69. What is a lump sum disability buyout?
  70. What is a long-term disability medical consultant review request and does it ever help the insured?
  71. What is a self-reported condition limitation clause in a disability insurance policy?
  72. What is a waiver of premium provision?
  73. What is an accident vs sickness prison in a long-term disability policy?
  74. What is an any occupation long-term disability policy?
  75. What is an Attending Physician Statement and how important is it for my long-term disability claim?
  76. What is an “own occupation” definition of disability?
  77. What is ERISA?
  78. What is does it mean when the long-term disability insurance company is paying me under reservation of rights?
  79. What is the administrative record in a long-term disability appeal?
  80. What is the difference between individual and group long-term disability insurance policies?
  81. What is the difference between own occupation and any occupation long-term disability insurance coverage?
  82. What is the discretionary clause in a long-term disability policy?
  83. What is the mental and nervous disorders limitation in long-term disability policies?
  84. What medical criteria and evidence will the disability insurance company use to evaluate my claim?
  85. What other benefits can offset my long-term disability insurance payments?
  86. What should I expect at an independent medical evaluation (IME) scheduled by the long-term disability insurance carrier?
  87. When should I file a long-term disability insurance claim?
  88. Who are the largest long-term disability insurance companies?
  89. Who can decide to deny my claim for LTD benefits?
  90. Who do I sue if my long-term disability claim is denied?
  91. Why did Congress pass ERISA?
  92. Why do I need an attorney to handle my ERISA disability appeal?
  93. Why is ERISA a bad law for disability insurance claimants?
  94. Why is the long-term disability insurance company asking me to submit to a field visit?
  95. Why should I have a LTD disability attorney present at the field interview?
  96. Will a long-term disability insurance company investigate my social media accounts like Facebook, Twitter, or Instagram?
  97. Will I get approved for Social Security Disability benefits automatically if I’m approved for long-term disability insurance benefits?
  98. Will my long-term disability claim be denied if my Social Security claim is denied?
  99. Will the disability insurance company consider side effects from my medication?
  100. Will the long-term disability insurance company pay my attorney fees if I win my appeal?

 

Do you have a question about your long-term disability insurance claim that you don’t see listed here? Contact us today so that we can answer it.