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Someone that enjoys the delivery of regular benefits from the insurance company that sold a disability insurance policy should be prepared to ensure the continuation of such payments. That means that the insurance company needs to be willing to take on the responsibilities that get handed to anyone that has won a long-term disability claim.

The recipient of those payments should try to recover.

True, that recipient has a disability. Still, the insurer expects the disabled policy holder to see a doctor, in hopes of finding and pursuing an effective treatment program.

The disabled policy holder should take part in a rehabilitation program.

True, it could be that some medical restriction might keep the same policy holder from taking part in such a program. When that is the case, it helps to have a letter from a physician, one that gives the reason for the policy holder’s failure to participate in the rehabilitation program.

Person receiving benefits expected to take part in plan that has been designed to ensure his or her return to work.

The insurance company might work with the recipient’s employer. That could lead to development of a modified schedule, for the worker that must deal with a disability.

Keep in touch with the insurance company.

That might be done by calling (or have the Personal Injury Lawyer in Truro call the Human Resources Department at the company where the disabled employee used to work.

Let the company know if the disabled employee has gained access to any other benefits.

Inform the company if the disabled employee has found a new job, or has returned to the old job. Allow the insurance company know about any changes to the health of the person that is receiving the long-term disability payments.

What actions should be taken by someone that has been denied long term disability payments?

All of the actions listed above should be followed by the person that was denied those payments. That advice applies even to the provision regarding communicating plans to return to work. That might be the course of action taken, if no other source of benefits has been found.

If the Human Resources Department has been contacted, it can prepare for the likely announcement, regarding the disabled person’s need to resign from the new job for health reasons. At that point, it would be possible for the ill/injured and resigning worker to apply again for disability insurance.

Depending on the nature of the worker’s disability, he or she might stay on the job up to 6 months. Slowly, though, he or she would exhibit the symptoms that forced the earlier request for long term disability benefits.

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