Our staff is standing by to help you. Click to chat.
Ben's Blog 
Disability Insurance Claims
- Words You Don't Want To See In Your Long-Term Disability Insurance Policy
- What You Need to Know About Long-Term Disability Insurance Companies
- Your Beliefs About Virginia Disability Insurance Might Be Wrong
- Disability Insurers’ Tactics Are Often A Double-Edged Sword
- Insurers Have the Upper Hand in Virginia Disability Insurance Lawsuits
Frequently Asked Questions about Personal Injury, Medical Malpractice, and Insurance Disputes
Q: OUTSIDE WORK AFFECTING MY CLAIM: If I do some work in another profession, is my claim closed? If the work is part time and temporary, what happens when I stop working? If the claim is closed, do I have to go through the whole process again? Can they cancel my policy?
A: The fact that you can do some work in another profession does not necessarily mean that your long-term disability claim will be closed or terminated. This depends in part upon the language of your particular disability insurance contract. It also depends on whether you are being paid under an "own occupation" policy or an "any occupation" policy.
Many policies do provide room for a "trial of work" in order that you and your doctor can determine whether or not, indeed, you can work full time. In many situations, if the "trial of work" terminates you will be able to remain on claim or have your claim reinstated. You may not have to go through the whole process again. Again, each contract is different and you should have your specific situation evaluated by an experienced long-term disability insurance attorney. The insurance company can only cancel your policy if you violate the policy terms. In some cases if you become "not disabled" and do not go back to work for your previous employer your coverage will be terminated because that policy only covers employees of a particular company.
Contact Ben Glass Privately
Testimonials
- Congratulations on having been selected by your peers for inclusion in the 2011 edition of The Best Lawyers in America®
- This is our first experience meeting with a lawyer. Surprisingly, our meeting with Ben went so well. It was very informative and educational.
- We were deeply touched by your kindness.
- I contacted Attorney Ben Glass's office and franticly spoke to his assistant Terry. We had a little more than two weeks to challenge my LTD provider's threat to offset my LTD disability payments by the amount of a recent settlement I had received on a Worker's Compensation claim - the claim was settled outside of the Worker's Compensation system.
- I want to thank you and your staff for all your hard work in 2009. I greatly appreciate your efforts on my wife's disability appeal. Your staff worked hard, is very talented and your ethical approach was readily apparent.
Stephen Power
Latest News
- Posted on 11/17/2009Sun Life Could Not Simply Ignore Social Security Award
- Posted on 11/17/2009Unum Orders Functional Capacity Exam, Then Ignores It
- Posted on 10/22/2009Prudential insurance company loses another disability case
- Posted on 10/18/2009MetLife Hammered in Disability Case After Ignoring Treating Physician Opinion
- Posted on 9/30/2009Judge Calls Hartford's Review of File "Incomplete, Selective and Unreasonable"