Processing LTD Claims

To process your claim, the insurance company may require you to be examined by a physician or other specialist from time to time, at its own expense. Long-term disabililty benefits will be discontinued if you fail to provide proof of continued disability or partial disabililty and regular attendance of a physician or refuse to be examined or evaluated at reasonable intervals or refuse to receive appropriate available treatment. The employee bears the cost of regular physician visits while the insurance company bears the cost of required examinations.

Proof of claim must be given no later than 30 days after the end of the elimination period.

Once the insurance company receives your application for benefits and supporting documentation, it will be paid promptly (as long as it is a valid claim).