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Disability Income Insurance: While On Disability

Payors May Check To Learn If You Are Still Disabled

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Social Security

As a general matter, once a person qualifies for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), the Social Security Administration does very little checking to determine whether the person continues to be disabled. Depending on the determination, there is no reevaluation until 3, 5 or 7 years from the award of the disability status. However, if Social Security receives information that the person may have returned to work or appears to have improved, it will initiate a review.

Private Insurance Company Or Employee Plan

Insurance companies and employers generally do a detailed investigation before deciding to start making disability income payments. However, once the payments start to flow, there is generally very little checking about whether the person continues to be disabled so long as whatever requirements the insurer has are met. For instance, you may be required to file an annual report from a doctor that the disability continues.

If the disability is due to a mental condition, it is likely the company will start questioning whether the disability continues after a year or two.

There are some insurance companies or employers that may be more aggressive in their review of a continuing disability.

For disability policies provided by employers: Some employers are beginning to conduct their own investigations to limit their costs. If you are covered through a group plan, it is worth checking on your employer's procedures.