Long term disability and travel while on it


#1

Just got gifted a vacation as I’m going through a mental illness in hopes of making me feel better. Is it fraudulent to travel? I’m hesitant to ask directly, but I also do not want to commit fraud. There’s no info to my knowledge of the small contractual letters they have sent with regards to travel and informing them if doing so.


#2

If it is a short vacation -2 weeks or so-then there should not be any issue. I would inform your Insurer that you were gifted the vacation in hopes to help your recovery.


#3

My take, If it says on your policy you are supposed to inform insurance when leaving the country regardless of the time, then you should definitely be aware that if they find out, they will likely cut you off benefits as that is breach of contract.
However, if it is on your policy that you are to notify insurance if you leave the country for more than 30 days, and if your vacation does not exceed that time frame, then, my opinion, you are not obligated to disclose that.


#4

You should take the vacation. My advice is to always be up front with the insurer about the travel. You run into problems (from insurance co perspective) when you are going to be out of the country for months on an annual basis.


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.