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ERISA Disability Insurance Claims

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CRITERIA FOR DISABILITY: I would like to know exactly what the insurance company says my disability is, because I want to make sure the insurance company and I have the same criteria for my disability. Will they send me this information? Can I request a copy of the policy that pertains to my disability?

 

A: Generally, when an insurance company decides to pay benefits it will tell you in the cover letter what disability the benefits are being paid for.  You generally are not entitled to any greater detail unless they terminate or deny your benefits.  If this is an employer-sponsored policy and your benefits are terminated you will be entitled to the entire claim file.  You can always request a copy of the policy that pertains to your disability and the insurance company or your employer should give that to you promptly.


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ERISA Disability Insurance Claims:

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