Can my insurance company deny my LTD claim because I refused to participate in a return-to-work program?
The short answer is yes, as this be deemed to be non-compliance with the terms of the policy (subject to the terms of the specific policy in question). If your medical condition precludes a return to work at the present time and this is supported by the medical evidence, then a denial on this basis can be disputed and you should consult a disability lawyer to discuss your specific circumstances.
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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
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.