As experienced personal injury lawyers, we are often consulted by clients whose long term disability benefits have been suddenly terminated by the insurance company.

It’s important to read the termination letter carefully and understand the exact reasons given for such termination. The letter may have been sent because information requested by the insurer from you/your doctor has not been provided. If so, you must contact the insurers immediately and explain reasons for the delay while making arrangements for the information to be provided.

In other cases, insurance-companies may have conducted their own investigations and surveillance. These may point to evidence that you are no longer disabled and thus not eligible for any more benefits. Your car accident lawyer can help you to contest these rulings.

There have been cases where the definition of disability is changed under new insurance regulations and benefits are terminated. Benefits may run for a two-year period beyond which the insurer could claim that you are capable of undertaking any other occupation. Your treating physician’s records and current opinions, based on actual evidence have to be presented to contest this ruling.

Long-term disability claimants may need to be examined by the insurance company’s own doctors and their opinion is taken as admissible by courts. They may not have not treated you or they may not have the necessary expertise in your type of disability.   Hence, you may have the right to challenge their findings with your lawyer’s assistance if your benefits are cut off based on such evidence.