What To Do When A Florida Long-Term Disability Insurer Says You’re ‘No Longer Disabled’

You’re still in pain, still struggling, and still haven’t gone back to work. Out of nowhere, your long-term disability insurer sends a letter saying they are cutting off your benefits, claiming you’re “no longer disabled.”

Unfortunately, this is a common scenario that is more than just frustrating. It can be financially and emotionally devastating. This is a common tactic among long-term disability (LTD) insurers, but just because they say you’ve recovered doesn’t make it true. If you’re facing a benefits termination, now is the time to act. Our experienced Jacksonville long-term disability lawyer provides the trusted legal guidance you need to push back and protect your rights.

Why Insurers Suddenly Stop Paying Florida LTD Benefits

Insurance companies are for-profit businesses that rake in more than $1.7 trillion each year. One way they protect their profits is by avoiding payouts. Even if you were initially approved for long-term disability in Florida, the insurance company may cut your benefits off before you have fully healed. Common reasons they use to justify this action include:

• Claiming that a hired medical reviewer says you’ve improved, even without examining you.
• Using surveillance footage to show you doing everyday tasks (which doesn’t equal work ability).
• Taking posts on your social media out of context.
• Misinterpreting or oversimplifying consultative evaluations.
• Arguing that there’s insufficient recent medical evidence to prove continued disability.

If you receive a letter from the insurance company terminating your LTD benefits, you need to respond quickly and strategically. Having an experienced Florida long-term disability lawyer on your side helps to protect your rights when dealing with greedy insurers and get the payments you deserve.

How to Fight Back When Your Florida LTD Benefits Are Terminated

Don’t ignore a termination letter or assume an appeal is just a formality. Under the Employee Retirement Income Security Act of 1974 (ERISA), the law that governs most employer-sponsored plans, you have a limited time to act, usually 180 days to file an administrative appeal. Take these steps now to protect your benefits:

• Request your full claim file from the insurer so you can review the evidence they used.
• Talk to your treating doctors and ask them to submit updated, detailed medical statements.
• Avoid venting online, as social media posts may be used against you.
• Hire an experienced LTD lawyer who understands how to navigate ERISA appeals and protect your rights.

The goal here is to build a comprehensive, well-documented appeal that directly addresses the insurer’s reasons for denial.

Contact Our Florida Long-Term Disability Lawyer Today

At Farrell Disability Law, we know how long-term disability insurers operate, as well as how to effectively respond when they wrongly claim you’ve “recovered.” If you’re still unable to work but your benefits have been cut off, let us step in.

We’ll review your file, gather the right evidence, and fight to get your benefits reinstated. Contact our experienced Florida long-term disability lawyer to schedule a consultation in either our Jacksonville or Orlando office today.

Sources:

iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/introduction/insurance-industry-at-a-glance

dol.gov/general/topic/health-plans/erisa