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Disability Law/disability insurance

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Expert: Kyla Kelim - 7/18/2008


Question
I have a long term disability ins policy through my employer. If my doctor says I'm not going to be able to return to work, can they cancel my benifits?

Answer
No, otherwise you could never use any type of policy, since you have to be disabled to use it.  The long term disability varies by policy, typically they require that you apply for social security disability, will pay you while that application is pending, and will require that you pay them back from the lump sum you receive from social security.  Not always, but those are typical statements.  You are technically still an employee and no, they can't cancel your benefits once you have made a claim.

I hope this helps,

Kyla Kelim

Disability Law

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Kyla 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

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