By Scott E. Davis, Disability Attorney
A dirty little secret in ERISA disability claims is that benefits are frequently terminated when the definition of disability in the policy changes.
We receive phone calls every week from confused individuals who tell us their benefits were terminated after several years of the insurance company paying the claim. Individuals who are receiving disability benefits are often never aware that at some point (i.e. usually after 24 months and sometimes 12 months) in the overwhelming majority of ERISA disability policies, the reason for the termination of benefits is because the definition of disability changes to one that is much more difficult to meet. Continue reading