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Can I Be Denied Disability Benefits If There Are No Other Medical Options?

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 Benefits - Question 131
If conventional medicine suggests that no further active treatment will help you to overcome your disability, then you do not have to do more than what your own physicians can offer you in that regard. If your doctors feel that there is some medication that you ought to take, and you do not take it, then that could be construed as failure to be in active treatment. Legally, if the only treatment your health-care providers suggest is taking medication, and you are doing so, that should be enough to establish compliance with conventional medical treatment. If you cannot follow the recommendations of your doctors because, for instance, the drugs make you feel worse, then you must explore this with them so that they support your decision not to take the customary medications. In those circumstances, you should explore alternative therapies so that no insurer can say that you are doing nothing to overcome your disability.
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Ask Share Lawyers

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.