Is it more normal for settlements for someone to be put back on LTD and to get retroactive pay as a settlement or is it more normal for lump sum payments or a hybrid of both? Thanks
Whichever is potentially cheaper for the insurance company. If you’re young, if your condition has a chance of improving so that you’re not disabled, they’re more likely to just go back to the payments. You could also stop being entitled to payments for other reasons like refusing medical care or dying in a car crash. Technically you are not entitled to future payments until the future happens, so they are better off waiting and seeing unless your payments are going to end soon anyway.
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