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?
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
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