Insurance wants me to go to work therapy


#1

Why does my insurance want me to go to work therapy after approving me


#2

It is called Vocational Rehab Program and their goal is to get you on “work ready” status. Basically, they are investing in you to get you out of the claim as soon as they can. You have to cooperate reasonably and do what they ask unless there are any restrictions from your caregivers (family doc, specialist etc).


#3

It is a cost containment strategy to ensure the Insurer can stack the claim file with evidence you can work. They might think your claim will go on and on–so that they can stack the claim file is the main goal to support a future denial.


#4

The insurance company has accepted you meet the requirements of total disability at the moment, but they believe with the right treatment, assistance or accommodations you may be able to return to work. Vocational rehabilitation is the first step in determining if you have the capacity to return to work in some capacity. it is a normal part of most LTD claims. You should cooperate with the process in good faith.


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 1-877-282-5188 to speak with a member with our disability claim support team.


#5

But not in blind faith! :sunglasses: