Q: Can an auto loan disability insurance company push for me to go to voc rehab after my employer deemed me fully disabled?
18 months ago I was diagnosed with epilepsy and could no longer work for my employer due to their company policy, (can't be on the meds and must be seizure free for 10 years, I'll be on the meds for the rest of my life) they have finally determined I am fully disabled and I am receiving benefits. I'm 62. I have an auto loan disability policy that has paid on the loan with no issues while I was waiting on a determination. They are now doing a review and have repeatedly requested to send me to a vocational rehab company and have asked me to detail my previous work history. They stated they need to determine if I can perform any other work. I told them to close the claim and they have pushed back, guessing due to their contract which has no time limits and states if I become fully disabled, I am still eligible for their benefits. They have dr statements and my employers determination documents. Is it legal for them to push vocational rehab, one they have determined, to continue benefits?
A:
Hello,
I would recommend taking a look at your insurance policy. The policy will define what the insurance company is permitted to do. Generally speaking, most disability insurance policies do permit the insurer to ask you to cooperate with vocational rehabilitation, even if you don't believe that vocational rehabilitation would be of any help.
Happy to discuss further if you want to reach out. Feel free to contact me by my contact info on my profile above.
Hope this help!
Tim Akpinar agrees with this answer
A: Vocational therapy could be seen as an element of cooperation, which carriers are generally free to request nationwide. One option is to reach out to Utah attorneys to try to arrange a free initial consult. A local attorney would have state-specific insight into disability claims and your best options. Good luck
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
