- Social Security / Private Insurer and Employer Disability Plans
- Prepare for a Continuing Disability Review
- What to do if you are contacted to prove that you are still "disabled" for purposes of disability income.
- What to do if disability income payments stop or you are informed that they may stop.
Disability Income Insurance: While On Disability
Whether you are receiving a disability income from a government program such as Social Security, or a private program from either an insurer or an employer, the longer you are disabled and unable to work, the more likely there will be investigation to determine whether you are still disabled. Since it is uncertain when, or even if, there will be a disability review, it is advisable to prepare "just in case."
Steps required to be prepared are simple to take, such as keeping the disability determination paperwork in a safe place, or keeping track of your symptoms and how they affect your ability to work. (Survivorship A to Z provides a Symptoms Diary which is useful to use for your doctor's information as well as for disability purposes.)
If you are contacted by an investigator, cooperate within reason.
If your disability income is cut off, whether by Social Security or a private source, there are steps to take to try to get it started again and to protect other benefits.
Each of the above subjects are discussed in other sections of this document.
NOTE: Keep in mind that insurance companies and employers are now using social networks such as Facebook and Twitter to learn whether a person who is receiving disability income continues to be "disabled." As an extreme example, it is difficult for a person who can't walk to say he or she continues to be unable to walk when there are photos posted on Facebook showing the person dancing or sky diving.