When your disability insurance policy’s definition of “disability” changes, many claimants are vulnerable to having their benefits denied. What should claimants do to protect themselves—and their benefits? Below, we’ll discuss what happens when the change of disability definition occurs and how claimants should respond.
- It is important to understand the definition of disability in your policy and plan for the change at 12 or 24 months.
- At least 6 months before the change of disability definition you need to take steps to be prepared for the new disability definition.
- We regularly work with vocational experts to prepare reports about the potential jobs a person could perform based upon restrictions from doctors, prior job experience, and job availability.
- You must complete the vocation claim forms provided by your disability company with caution and documented support for each answer.
- When asked to give an interview with the disability company assume they have been watching you and researched all of your activities the prior several months and weeks after the interview.
- Your treating doctors should be aware that the disability company will call them to discuss your restrictions and limitations.
At Dell Disability Lawyers, our attorneys have helped thousands of claimants make it over the change-of-disability-definition hump. Don’t go into this process alone—give us a call today to schedule a FREE consultation to discuss your case with a member of our legal team.