Travelling On Long Term Disability: What You Need To Know

Travelling On Long Term Disability: What You Need To Know

Travelling On Long Term Disability: What You Need To Know About

Traveling is a wonderful way to experience new cultures, foods, and sights. Whether it’s to see a whole new place for the sake of knowing what it’s like, or making the journey to visit friends and family, experiencing time in new places can be rewarding, rejuvenating, and provide lifelong memories!

For those on Long Term Disability (LTD) planning a vacation can have some complications. Your insurance company may see traveling as being inconsistent with being disabled from gainful employment, so it is very important to know the correct measures to take when planning a trip.

Review Your Policy
Before considering planning your trip, review your disability policy – it may have certain restrictions prohibiting your right to travel. Going on a holiday is not usually under the scope of these restrictions about your right to travel, so read closely.

Get Medical Clearance
Ask your healthcare professional to put in writing that your treatment plan will not be affected by your travel. They will ask you to provide contact information and make sure to check your LTD plan for what may be required for your travel. Be advised – for longer absences from the country, pre-approval may be required as some policies will not continue payments if you leave Canada.

Contact A Disability Claim Administrator
If you’ve reviewed your policy and can’t find any reason why you shouldn’t be able to take your holiday, contact your Disability Claim Administrator to be double sure you are in the clear to leave. It’s worth double checking.

Keep A Journal
Especially if you are anxious about leaving, make sure to keep a journal that chronicles your activities, how you are feeling, what you may have had issues with, and how your disability prohibited you from engaging in certain activities (for example, you couldn’t go horseback riding, take long walks, weren’t able to play with the children, etc.). This can serve as a way to show that you traveled for relaxation, but your activities were still restricted.

Be Wary of Surveillance and Social Media There is a possibility of surveillance while you are away. It’s especially important to be mindful of how public images, videos, and posts come across on social media. There’s the chance your insurance company may misunderstand and misconstrue you having a good time and relaxing as inconsistent with having a disability.

Everyone deserves rest and relaxation, and if you take the necessary precautions before leaving on your trip, there should be no reasons to worry or stress about taking some time for yourself.

 

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.

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