What happens after your claim is approved, is it all over at that point? Can you just do whatever you want at that point? You’re on disability, no one’s going to check up on you? The answer to that is no. In fact, in a lot of these long term disability claims, there’s a provision in your long term disability insurance policy that says that if you are requested to provide proof of loss, you have to provide that within 30 days or 60 days, depending on what the policy says. But what is proof of loss? That’s a great question. Proof of loss is simply the medical documentation that you are still unable to work or perform the main duties of your occupation.
Keep Communicating With Your Doctors
So, if you don’t have any new medical treatment, if your doctors aren’t keeping up with your current medical status, then how are you going to provide proof of loss during that period that the insurance company is asking for? That’s why we always advise our clients to make sure even after your long term disability claim has been approved, make sure that you keep going to your doctors, you keep communicating your symptoms to your doctors and your doctors keep documenting that you are unable to perform the main duties of your occupation. If you can provide that paper trail every six months or 90 days or whenever the insurance company asks for it, then you will be able to stay on claim and receive consistent disability benefits through your long term disability insurance policy sponsored by your employer.
I hope this information has been helpful and been informative to you. If you found it helpful, send it off to your friends, share it on social media, make sure other people get this information in their hands so that they can live their best life. And we hope that you are able to live your best life too. If you have any questions, send us an email, send us a Facebook message. We’re happy to engage with you to make sure that you know where you are in your claim and that you can stay on your disability benefits without dealing with the stubborn and obstinate insurance company. Thanks.