Why Did I Stop Receiving My Long Term Disability Payments?

If you are receiving Long Term Disability payments, there may be instances when your payments are withheld, reduced, or stopped completely. When this happens, you may be asking yourself not only why, but also whether your insurance company is allowed to do this.

If you have questions or need advice about what to do after you’ve been denied, contact a long term disability attorney at Fields Law Firm. We can review your claim policy and help you understand why your disability benefits were denied, and what your legal options are.

Call us 24 hours a day, seven days a week at 1-888-343-5375 or fill out a free contact request form and get answers to your questions.

Reasons Your Disability Benefits May Be Withheld

A Long Term Disability insurance company can withhold your benefits if you do not adhere to the terms and guidelines of the plan. This usually involves failing to provide information to the insurance company on a timely basis or not performing something that the policy instructed you to do.

Other times, benefits may be reduced or offset due to other income you receive or are expected to receive, such as income from a pension, retirement account, or Social Security Disability payments. Benefits may also be stopped completely if you fail to provide necessary information to the insurance company or if the insurance company claims you are no longer disabled from working.

Client Success Story

A Minnesota woman had worked for a large nationwide bank as a loan documentation specialist, a sedentary position that was clerical in nature. However, she was forced to stop working as a result of her severe anxiety. She had applied for and been granted short-term disability benefits from the insurance company. But just three months later, the payments stopped without warning. The insurance company claimed to have had her medical records “peer reviewed” by a physician who had never even met the woman, and even had the audacity to call the severity of her conditions into question.

The woman wanted to appeal the insurance company’s decision, but needed professional expertise. She went straight to Fields Law, and our qualified experts analyzed her case and got to work writing her appeal. Our attorneys argued that the insurer had erred in relying on the opinions of the independent doctor and ignored substantial medical evidence in our client’s claim. Further, we highlighted the records which best demonstrated the severity of our client’s condition. Faced with our arguments, the insurance company returned a decision within a month overturning their previous denial and reinstated our client’s benefits.

Types of Long Term Disability Insurance Plans

Long Term Disability insurance plans typically work in one of two ways. The first is where your actual employer funds, administers, and sponsors its own disability plan. The second, which is typically known as a Group Policy, is where the insurance company, on behalf of your employer, funds and administers the plan. The majority of individuals with Long Term Disability coverage usually have Group Policies. With both plans, the employer and insurance company can set its own rules, guidelines, and eligibility requirements.

The major difference between these two types of plans however, is that Group plans are covered under the Employment Retirement Income Security Act (ERISA), while non-group plans are covered under state law. Under ERISA, insurance companies must adhere to certain rules and procedures in administering the plan. Therefore, if your disability benefits are being withheld, reduced, or stopped, you may have some legal safeguards and protections under ERISA.

Disability Insurance Companies Must Abide By The Rules

Under ERISA, whether your benefits are withheld, reduced, or stopped, your insurance company must inform you before doing so. The insurance company must also provide specific reasoning for its actions as set forth by your disability policy. The insurance company must also give you an option to appeal the denial of benefits and provide more information. If you do not have a Long Term Disability plan covered under ERISA, your local state law may also have some similar protections and safeguards to assist you.

If you feel that you benefits are being wrongfully withheld, reduced, or have stopped completely, you must act quickly to ensure your chances of getting your benefits back. Contact an experienced Long Term Disability attorney at the Fields Law Firm today to discuss what options you have and what legal actions you can take against your insurance company.



John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
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