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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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.