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Ben's Blog 
Disability Insurance Claims
- "ERISA Sucks" Judge Refuses to Vacate Order
- A Federal Judge Explains Why ERISA Sucks (Believe Me, It Does)
- VA Worker's Comp Commission Rules Facebook To Be Protected
- First UNUM Finally Loses 15 Year Old Disability Case
- Do I Have To Do Everything My Insurance Company Requests?
- What If My Doctor Refuses To Cooperate With Me In A Claim For Disability?
- What If My Termination Letter Says I Missed A Deadline, Is My Case Lost?
- Does ERISA Apply If I Work For A Government Agency?
- If I'm Involved In A Disability Lawsuit, How Long Will It Take To Resolve?
- Is the Insurance Company Watching Me? And Other Questions?
Virginia Lawyers Weekly » Verdicts & Settlements 
Frequently Asked Questions about Personal Injury, Medical Malpractice, and Insurance Disputes
Q: I have gotten several conflicting recommendations from my doctor: first that I am not a candidate for surgery and then that I should undergo extensive surgery. I have filed for SSD and am getting LTD from insurance carrier. If I refuse surgery and go with the first diagnosis what will happen with SSD and LTD?
A: Generally speaking a long-term disability insurance company cannot direct that you have extensive surgery. However there have been circumstances where a claimant refused to undergo relatively simple surgery which all of the doctors agree would have allowed the claimant to work. We have seen courts deny long-term disability payments in that situation. However generally with the issue of extensive surgery and conflicting medical opinions you will not be penalized because you decide to not undergo the risk of surgery.
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Latest News
- Posted on 11/17/2009Unum Orders Functional Capacity Exam, Then Ignores It
- Posted on 11/17/2009Sun Life Could Not Simply Ignore Social Security Award
- 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"