There are many reasons an insurer may decide that LTD benefits should end.
The insurance company may believe that your medical condition has improved. It may rely on updated medical records, an insurer medical examination, a transferable-skills or vocational assessment, surveillance, or information about your activities.
The insurer may also conclude that there is insufficient “objective” medical evidence supporting your continuing disability.
This can become particularly contentious for conditions involving chronic pain, fibromyalgia, migraines, mental health conditions such as anxiety, depression, PTSD, and other illnesses where the severity of a person’s symptoms may not be fully demonstrated through an X-ray, MRI, blood test or other diagnostic investigation.
The absence of a particular diagnostic finding does not necessarily mean that a person is capable of working.
An insurance company’s decision to terminate benefits does not necessarily mean that the decision is correct. If your benefits are denied, it is often wiser to immediately contact a long term disability lawyer rather than attempting the ‘appeal process’ offered by insurers.
Call me today so we can discuss your circumstances. I never charge for a consultation and am always happy to speak to you about your case.
