Synopsis: A long-term disability carrier evaluates your claim for benefits on a month-to-month basis.
A lot of claimants who get approved for long-term disability will get a letter from the disability carrier that will say that, "We've approved your long-term disability claim and you have the potential to receive benefits until age 65.
The key in those letters is that it says "you have the potential to receive benefits to age 65."
A long-term disability carrier evaluates your claim for benefits on a month-to-month basis.
So while you're approved one month, you could just as easily be denied the next month.
Just this week, we received two phone calls from one disability claim that had been on benefit for 20 years and was getting hassled with their disability benefit, and another one that has been on claim for 25 years.
So the unfortunate thing with these long-term disability claims is that at any given time, the long-term disability carrier can make the determination that they no longer believe that you're eligible for benefits.
If you have any questions about the handling of your long-term disability claim, feel free to call us.
Information supplied courtesy of the experts at diattorney.com who specialize in disability insurance claims.