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The insurance company says that I am not seeking treatment, so they do not have to pay me. My doctor told me he has done all he can. Where does this leave me?

If conventional medicine suggests that no further active treatment will help you to overcome your disability, then you do not have to do more than what your own physicians can offer you in that regard. If your doctors feel that there is some medication that you ought to take, and you do not take it, then that could be construed as failure to be in active treatment. Legally, if the only treatment your health-care providers suggest is taking medication, and you are doing so, that should be enough to establish compliance with conventional medical treatment. If you cannot follow the recommendations of your doctors because, for instance, the drugs make you feel worse, then you must explore this with them so that they support your decision not to take the customary medications. In those circumstances, you should explore alternative therapies so that no insurer can say that you are doing nothing to overcome your disability.

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Other Similar Questions

I am suffering from terrible anxiety. My doctor has asked me to take some time off but my employer disagrees and told the case manager at our group insurance company that I seemed fine. The case manager stated that there is no evidence of a disability and denied my claim. I would like to file an appeal. What can I do to strengthen my case?

My friends and family have told me that insurance companies do not pay long-term disability claims to people suffering from fibromyalgia. I recently applied and haven’t heard anything yet. What can I expect?

What if my own family doctor, who has known me for years, disagrees with the insurance company's medical specialist?

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Ask Share Lawyers

This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.

Here are some commonly asked questions to get you started:
My disability claim has been denied. Does that mean I am not eligible for benefits?




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