Is LTD Insurance Obligated To Pay For Treatment While Receiving 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.
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