Can a Long Term Disability benefits cancel my benefits

UPDATED: Oct 1, 2022

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Can a Long Term Disability benefits cancel my benefits

I have a LTD with Standard Insurance which I contributed to through my former employer. I became disabled and have been approved to receive benefits until the age of 65. Can Standard continue to required forms to fill our twice a year and threatened to cancel my benefits if I don’t continue to complete requested forms?

Asked on September 3, 2017 under Insurance Law, California


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

Yes, as unnecessary as this may seem to you, an insurer can require essentially any information or documentation from its insureds or beneficiaries and can, for a policy like this which pays out over time, for years (i.e. it's not a lump-sum payment) require regular or periodic confirmation of your status,eligibility to receive the payments, etc. While it may feel burdensome, it's two sets of documents annually to be paid all year; if you failed or refused to do something so essentially reasonable (when you compare cost to benefit, and also look to the insurer's interest in confirming this information and your eligibiity regularly), they would be legally justified in cancelling your benefits.

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