surgery for disability benefits

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PostPosted: Fri Sep 09, 2011 5:44 am   Post subject: surgery for disability benefits  

I am on long term disability benefits. My doctor says I need to go for an operation in order to get better, but there’s no guarantee to that. So I don’t want to do that surgery right now.

My question is do I need to go for the surgery to collect the long term disability benefits?

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PostPosted: Fri Sep 09, 2011 6:03 am   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.

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PostPosted: Fri Sep 16, 2011 1:23 am   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.


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PostPosted: Thu Dec 22, 2011 5:06 pm   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.


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PostPosted: Sat Dec 24, 2011 6:11 am   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.


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