Words you don't want to see in your long term disability insurance
This discretionary clause causes often big problems for people to apply for the benefits. Basically, the BGH judgment of insurance companies which makes gave, insert this clause in their own policy, which essentially almost their decisions by courts irreversible power. If you benefited to file a claim on long-term disability in Virginia are looking for, you have in mind to keep, you are not on the level playing field in the insurance company.
If you take the insurance company in court, because you were found to not to disable, you have a huge obstacle to overcome. It is not easy to bear, that will be a heavy burden.
This discretionary clause is not required by law and, unfortunately, many employers do not understand, the impact it has on its staff. Employers must insist that these clauses are not in their long-term disability policy.
Are, it would be advisable to consider a claim if you have filed for long-term disability or, speak with a Virginia disability insurance lawyer, has the experience in ERISA disability claims.
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