If you qualify for long-term disability benefits because of a serious injury, you may feel a sense of accomplishment and peace knowing that your benefits will protect your best interests and keep you from going into debt over medical bills and more. But what happens if your benefits are cut suddenly due to a variety of reasons? Are there reasons for your benefits to end? Today we will discuss some of these scenarios to prepare you in case any of these circumstances happen to you.
Health Improvement: It is obvious that, if your health improves, you will no longer qualify for long-term disability benefits. These programs are available to those who are suffering from severe impairments due to injury on the job. Long-term disability, for instance, is for those who are expected to be disabled for quite some time, usually longer than a year. If your health improves and your doctor believes that you are able to return to work, you may be able to re-enter the workforce without issue, which could lead to a decrease or cut-off of your benefits.
Most often, your eligibility will all depend upon the health status and a review of your status over time. If your health improves, then you could be disqualified from benefits.
Earning Too Much Income: If your health has not improved but you are earning enough money, you could lose your benefits. You may even go through a trial period where you must return to work for a period of time so that you can be monitored to ensure that you are actually able to return to work.
The same can occur if your household income changes as a whole. If you are married and your spouse starts making more income, then you could lose your benefits. You could also be disqualified if you start to receive benefits from another person’s earnings in other ways.
Retirement Benefits: If you have reached retirement age and you start receiving retirement benefits at your qualifying age, you may no longer qualify for long-term disability.
Moving Outside of the Country: If you move outside of the United States, you could lose your benefits as well. In many cases, other countries prohibit you receiving these benefits, though this is subject to the country’s discretion, which is why you should always make phone calls.
Long-term disability is important to you and your lifestyle, which is why you should always follow all the rules that coincide with your benefits and understand them at-length so that you do not risk losing them in your time of need. Understanding these regulations can sometimes be a difficult procedure and you may need help in every aspect. Call the disability lawyers who can help you in your time of need at Edelstein Martin & Nelson. We are waiting to hear from you at 800-300-0909.