Hi everyone.Does it signify anything when insurer approves beyond cod and states benefits will be paid till age 65?What can one expect after cod approval
Depending on your insurer one to all of the following may happen about once a year:
- Fill out a form asking questions about your disabilty status, income, CPP status.
- Request for your doctor to fill out a medical form.
- A phone interview with a claims manager.
Depending on how the above is answered you wlll likely not hear from your insurer for another year, or they will put you into active claims management.
Thanks.What is active claims management
No problem. It means similar to whatever you experienced prior to your COD. It’s very case specific.
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I have another if anyone has knowledge regarding it would love to hear.Is one permitted to rent out rooms in their home while on ltd and cppd to help with income without the insurer deducting from the monthly benefits?
Im aware of active and passive income but unsure if rooming/boarding is acceptable.Thanks
Generally yes but do check your LTD policy in case it has anything weird.
It is good news to hear this, but legally they can change their mind. They can still cut off benefits. Their statement saying you would be paid to age 65 is not legally binding on them.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.
Thank you guys/gals for your knowledge and helping me.
Is it generally the same with all insurers,that once cod is reached and if approved,a letter is sent out approving benefits until 65?Or do some approve benefits for shorter periods of time such as 1-2 yr intervals?
I’ve only ever seen a COD letter that states a person is approved to 65 (mine included). That said, two of those people who got that letter stating approved to 65 also had their benefits cut off after a couple of years (for some unclear reasons) and they ended up hiring a lawyer to get their benefits reinstated after some strongly worded letter writing.
Ok thanks:) That makes sense
I’m On LTD and received a letter from my insurance company 13 months ago saying I was approved until 65. In the letter they said I was responsible for sending them a medical once a year. 6 weeks ago I received a request to fill out a questionnaire but no request for a medical. I sent in the questionnaire 5 weeks ago and haven’t head anything since.
Is it possible they will be satisfied with just the questionnaire? Am I supposed to send the medical each year even if they don’t request it?
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Yes it’s very possible. Good rule of thumb is to only send what they ask for and no more. Many insurers just ask a few questions each year and that’s good enough for them.
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In my situation, every second year, I am directed to complete a statement about my daily functional (or lack thereof) abilities, medications, medical visits, physiotherapy, etc…
On alternate years, I have been asked to have my dr. complete a medical form.
In year six of disability and this year the request for self-statement came six months later than anniversary date; which means it has been over 2.5 years since I last completed my self-statement.
HTH