surgery for disability benefits

Submitted by Anonymous (not verified) on Fri, 09/09/2011 - 05:44

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?

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.

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