Is your LTD insurance company obligated to pay for medical treatment or therapy while you are receiving LTD benefits?
Most disability policies do not require the insurance company to fund treatment, therapy or related expenses. While you can certainly request that they consider paying for treatment or expenses that may assist you in ultimately overcoming your disability and ultimately returning to work, the decision to fund such expenses is completely at the discretion of the insurance company. They may agree to fund therapy or other expenses, if they feel that this will result in a quicker return to gainful employment, but otherwise they are not under any legal obligation to pay these expenses.
Was your question answered? Yes
Other Similar Questions
After my accident, my family doctor referred me to a rehabilitation clinic that offers a variety of treatments such as massage, physiotherapy, acupuncture, and chiropractic. Who is going to pay for all of this?
What does "regular and continuous care of a physician" mean?
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?
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.