AboutKyla Kelim Expertise All social security/disability cases
Experience I have practiced law in Alabama and Florida for fifteen years. Our firm serves primarily the elderly and disabled, and we have more than 60 years of collective experience with handling social security disability cases.
Organizations
Organizations Alabama State Bar
Florida State Bar
Education/Credentials
Experience in the area I have practiced law in Florida and Alabama for 15 years. My firm has over 60 years collective experience in disability and elder law issues including hearing and appeals for social security/disability cases
Education/Credentials Cumberland School of Law, Samford University, J.D. 1993
University of New Orleans, B.S. Business Administration 1990
Expert: Kyla Kelim Date: 6/30/2008 Subject: Disability Insurance
Question I am currently on permanent ltd. I received this benefit from my former employer. I have severe OA and torn menisci in both knees. I am also very overweight. I have 2 doctors that both corroborate my disability as permanent and lab testing as well. I require bilateral knee replacement. However both doctors want me to lose weight prior to the surgeries. In the meantime I have been asked to undergo physical therapy, drug therapy, exercise and injections. I have two questions:
1) My former employer is very successful and provided a comprehensive benefit plan for the entire staff. If he decides to change the company disability benefit or stops paying their premiums would my benfits be terminated or reduced? If so, what would I need to do?
2) I have followed most of the treatments plans that my doctors have recommended. However my medical insurance doesn't cover them entirely and I can't afford everything. Could I lose my coverage if I can't follow all the doctor's recommendations.
Thank you very much for your assistance!
Answer Nita, 1) Disability insurance will continue to be paid according to the terms of the contract. 2) You might lose your coverage for failure to comply. Also, some insurance companies will not cover certain surgeries unless you follow a weight loss plan. I would consult with a local disability attorney for more specific answers and any additional protections that state law may offer you.
