My question is do I need to go for the surgery to collect the long term disability benefits?
Posted: 09 Sep 2011 06:03 Post Subject:
Your insurance company can’t deny you your benefits, just for not going for a surgery. As you said that there’s no guarantee to the fact that you’ll be cured by the surgery, it makes it a valid point for not wanting to choose the risk of surgery.
As far as I feel, your insurer can’t stop paying you the disability benefits for this reason.
Posted: 16 Sep 2011 01:23 Post Subject:
Sorry Jane, but how you feel does not change the terms of a contract. If the contract requires you to make a reasonable attempt to improve your health so you can go back to work, they could deny your benefits if you go against medical advice. Read your contract and consult a disability lawyer.
Posted: 22 Dec 2011 05:06 Post Subject:
According to terms of policy it is stated that, medical benefits will be provided on following of instructions given by doctor, otherwise insurance company will deny your claim.
Posted: 24 Dec 2011 06:11 Post Subject:
Medical benefits are not the same as disability income benefits. One puts money in the pockets of doctors, surgeons, and hospital employees, the other puts money in your own pocket.