My leave is 9 years on LTD. my contract was frustrated a couple of yrs ago.
I’ve earned some extra issues in the past few years. They’re unrelated to my leave. I don’t need to tell them Everything about my medical do I?
I don’t think you need to tell them. My file is now with the “permanent/maintenance” dept at my insurer and when I asked my case manager if I still needed to give regular updates, I was told no need for updates until they send me an annual form to fill out. The only time I need to update them is if my ability to work changes; I’m able to do a return to work program or go back to work.
How long have you been off?
I’ve been on STD and then LTD for about 4yrs. My file was recently transferred to the permanent dept.
There may be no harm in telling them about new conditions though. I just checked the letter I got from my insurer when CPP-D was approved, and my insurer states in that letter to contact them if there is a change of address, change in health or additional sources of income.
Yeah, I don’t think they are going to try to cut your benefits at this point. I think your insurer only cares whether you can go back to work or not. If your health changes but you still can’t work, I don’t think they need updates. I wrote in my previous post that there’s no harm in telling them, but on second thought, saying something now would draw unnecessary attention to your claim file, so I would probably stay quiet. If you’re really concerned, check your master policy and ask your case manager, but if it were me, I probably wouldn’t.
That’s my whole concern. I’m on maintenance,it doesn’t affect my claim in any way…
But I still dunno what to do as someone who likes to follow rules
Arg
I’m sort of surprised this thread has gone on for so long. The problem is that the vast majority of us have different contractual agreements that govern the long-term disability benefits that we get.
In the LTD approval letter and in the contract itself it should tell you what you are required to tell them. An example that I’ve seen multiple times is that if there’s any material updates to one’s activities or to one’s health then they must be proactively disclosed to the insurer and just keep in mind both parties must act in good faith.
My thought process is that these new conditions do not change the reason for the LTD so are they relevant to the insurer
Doesn’t matter. If it’s a change in your medical condition you need to inform them. Unfortunately the rest is grey. Does a cold count? What about the flu? Losing a leg? That’s up to a judge and/or jury if it becomes litigated as both parties are responsible to each other to act in good faith.
I tell my insurer almost everything to the point I think my case manager finds me annoying. Better safe than sorry.
I ask myself if what I tell is relevant or even remotely relevant. Would a judge/jury care? If the answer is “maybe even yes”, then I share it.
I don’t even have a case manager anymore. I’ve been on LTD for so long that I’m on maintenance now
