What Happens After Two Years of Long-Term Disability?

What Happens After Two Years of Long-Term Disability?

Being approved for long-term disability benefits – especially after being denied by your insurance company – is a huge relief. Now you can focus on your health instead of unpaid bills. You can stop worrying about your mortgage and start getting treatment for your illness or injury. However, there are still things you must be aware of even after your claim has been approved and you have successfully received your benefits.

It’s important to pay attention to when you are approaching the two-year mark. This is because after two years, the “change of definition of disability” kicks in on most insurance policies. “Change of definition of disability” means that the classification of your disability benefits has changed from “Own Occupation” to “Any Occupation.” This is an important distinction because it may impact how your insurance company handles your benefit payments.

“Own Occupation” is disability coverage for when you have been unable to perform the essential duties of the job you had when your benefits were initially approved. “Any Occupation” coverage provides benefits when you are totally or substantially disabled. This means you are unable to work in any job for which you have the necessary education, skills, or experience, not just the one you had before you started receiving benefits.  We can evaluate whether you will qualify for continuing benefits under your policy.  Don’t accept the insurance companies’ interpretation.

This can be an upsetting and stressful time when you are receiving long-term disability payments. You may still have a long way to go with your recovery. You may have improved and want to go back to work, but you are frustrated because you still haven’t recovered enough. If your insurance company tells you it’s going to stop paying your benefits, it can cause even more anxiety.

Insurance companies may put pressure on you to go back to work because they don’t want to continue to pay for your benefits. They may send you to their doctors. They may even put you under surveillance by a private investigator to gather information to try and prove that you should be able to pick up where you left off two years ago. 

Although your medical specialists have been thorough and provided clear support to indicate your continued disability, your insurance company may still insist that you are able to re-enter the workforce, even at a menial job with significantly lower pay. They might claim that you should be able to go back to work on a part-time basis or with modified tasks. They might threaten to cut off your benefits or even follow through with those threats and terminate your benefits. They may deny your appeals and tell you they have no obligation to continue to pay you benefits.

“Fight Back.” – Despite what your insurance company may try to tell you, you have options. If your insurance company has denied your claim for long-term disability after two years, call Share Lawyers. We have proven success in winning against insurance companies for claims that have been terminated at the change of definition point. When you are recovering from an illness or injury, the most important thing to take care of is yourself. 

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.