What Should I Do When My Long Term Disability Payments Are Cut Off?
I have received long term disability checks for four years. I received the policy as part of my employment with former employer. The insurance company that issued the disability checks now claims I am no longer disabled. What do I do now?
You should promptly contact a lawyer who is experienced in handling disability cases. He or she will review your policy, the materials you have received from the insurance company, and your medical records and let you know what rights you have. You probably have a limited time to appeal the decision made (I would have to review your policy to know for sure) and the appeal process is extremely important.
You are strongly recommended not to attempt to appeal the case without the assistance of an experienced lawyer. Your policy is almost certainly covered by a federal law known as "ERISA" that limits the ability of a court to reverse any decision made by the insurance company. In addition, in the event later court action is required the contents of your file with the insurance company must contain all of the evidence necessary and readily available to demonstrate that you are disabled within the meaning of the policy. Experienced disability insurance lawyers know who to assemble and present information that will help you win the appeal or, if not, help a court be able to reverse an insurance company's position to deny your benefits.
