Advice from a Long-Term Disability Lawyer: What to Do When Disability Benefits Are Terminated and You are Not Ready to Work
When you rely on long-term disability (LTD) benefits, an early termination can feel overwhelming and unfair. These benefits are designed to provide financial security when you’re unable to work due to illness or injury. Unfortunately, many insurance companies cut benefits prematurely, leaving individuals struggling both financially and emotionally.
If your long-term disability benefits have been terminated, it’s important to know your rights and the steps you can take to challenge the decision. With the help of a
long-term disability lawyer, you can review your options to ensure that your rights and interests are protected.
Common Reasons Long-Term Disability Benefits Are Terminated Early
Insurance companies often justify ending long-term disability benefits early with reasons such as:
- Claiming medical improvement: The insurer may argue you are healthy enough to return to work.
- Policy definition change: After two years, many LTD policies shift from “own occupation” (unable to perform your specific job) to “any occupation” (unable to work in any job). Insurers use this shift to deny claims.
- Insufficient medical documentation: If your doctor’s notes don’t align with your reported symptoms, benefits may be cut.
- Surveillance or social media monitoring: Insurance companies sometimes use surveillance or online activity to argue that you’re more capable than what was reported.
- Administrative or technical reasons: Missed deadlines, incomplete forms or errors in documentation can also result in termination.
Steps to Take If Your Long-Term Disability Benefits Are Terminated
1. Review the Termination Letter
Carefully read the insurer’s letter to understand the stated reason for termination.
2. Gather Documentation
Collect all medical records, test results, treatment notes and any correspondence with your insurer that is already in your possession. An experienced disability lawyer will order any additional clinical notes and records that are needed for your case.
3. Continue Medical Treatment
Keep attending doctor appointments and following prescribed treatments. Consistent medical evidence strengthens your case.
4. Avoid Social Media Risks
Be mindful of what you post online. Even harmless activities can be misinterpreted and used against you.
5. Seek Legal Guidance
Insurance companies have teams of lawyers reviewing claims. Working with an experienced long term disability lawyer ensures you have someone protecting your rights and interests
Why You Should Consult a Long-Term Disability Lawyer
Challenging an LTD termination requires both medical evidence and a deep understanding of insurance law. Aaron’s team consists of experienced lawyers who can:
- Review your policy and explain your rights.
- Handle communication with the insurance company.
- Collect and present strong medical evidence.
- Represent you in negotiations or court if necessary.
How Can Aaron Waxman and Associates, P.C. Help?
Conclusion
Having your long-term disability benefits terminated early can be devastating, but it’s not the end of the road. By reviewing the reasons, gathering evidence and seeking guidance from a long-term disability lawyer, you can fight back and protect your financial security.
If your LTD benefits have been cut off,
contact Aaron Waxman and Associates, P.C. today for a free consultation.
We offer a free initial consultation that can be arranged at a date and time of your choosing and at your convenience.
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- This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
- All of our lawyers are licensed by The Law Society of Upper Canada
- Office in Toronto and able to represent people in the province of Ontario
