What if my long-term disability benefits are denied?
When you have filed your claim, your insurance company may give you the green light to receive your long-term disability benefits. However, it is important to know that long-term disability insurance benefits may terminate because you now fall under a change in the definition of disability after a certain period of time has passed.
A two-year period is the general cut-off mark, signalling a change from being unable to work “your own occupation” to being unable to work in “any occupation”. The moment your long-term disability benefits stop, you need to call a lawyer. It is not up to your long-term disability insurance company to ultimately decide when your long-term disability benefits end.