Will my long-term disability claim be denied if I do not have surgery?

Occasionally, we get clients or callers who are worried because their Dr. has recommended surgery and they just don’t want to have surgery.  This can be for various reasons.  They are worried that if they don’t follow the course of treatment recommended by the Dr. by not having the surgery, their coverage will be denied.  Below is the answer to the question of what happens if an insured chooses not to have surgery.  Remember, here at Cody Allison and Associates, we are available to help you and answer any question you may have.  If you have questions or concerns about your disability claim, give us a call today.

Our office gets asked this question often.  My doctor has recommended surgery and indicates that other than surgery, there is nothing more he can do for me.  Will my long-term disability claim be denied if I do not have surgery?

The disability carrier cannot force you to undergo surgery.  For example, if you have back problems and have seen an orthopedic and a neurosurgeon, and the neurosurgeon is recommending surgery, and you do not want to undergo surgery for several reasons, the carrier cannot deny your claim for not going through with the surgery that your neurosurgeon has recommended.  You can continue to treat with other conservative treatments.

If you have any other concerns or questions regarding this matter, please call Cody Allison & Associates at (615) 234-6000 and we will be happy to answer any other questions you may have.  You can also e-mail our office at cody@codyallison.com.   Put our experience to work for you.  For more information go to www.LTDanswers.com.