Disability Insurance Articles
Not Following Doctor Advice And What It Can Mean For Disability Insurance
2010-10-14
Disability insurance is one of the most valuable forms of protective insurance, but only if policy holders follow their insurance contract to the letter. Ignoring exclusions and other crucial areas of a disability insurance contract can prevent a payout on a claim. This is particularly true when a policy holder becomes a medical patient, and for what whatever reason, refuses to follow a doctor's orders. Insurance companies know that following doctor advice is the best way to improve a disability that has prevented a person from going to work, and they will often require that doctor advice be followed or coverage payments restricted or stopped altogether.
If you have purchased disability insurance, you should read your contract if you have not already done so. Look for the exclusions section and try to find any clauses that detail how doctor advice must be followed. Usually, there will be a provision explaining that if you stop taking medication deemed necessary for your treatment, or if you engage in any activities that could aggravate your disability or prevent healing, the payout of your disability insurance will end. This provision varies greatly from one insurance company to the next, and it is not always listed in a contract. If you cannot find anything, call your insurance agent and ask. You should always know about exclusions in your disability insurance contract, even if you plan on following the doctor advice that you receive.
When you look for disability insurance quotes online, you should be similarly careful about what you sign up for. Read every disability insurance quote that you receive. You will notice that many contain exclusions related to your health care; the insurance companies have an interest in only offering disability insurance policies to buyers who will treat their disabilities responsibly. Doctor advice needs to be carefully followed under most plans for coverage benefits to continue, and if you are looking for a disability insurance policy that does not contain provisions related to your health care, you may find the process difficult.
Whether you have purchased a disability insurance policy or not, the fastest way to get over a disability is often to follow doctor advice. Even if there is not an exclusion in your disability insurance policy, there may be an exclusion in your health insurance policy. In any case, always be sure that you know how your disability insurance will operate and how its exclusions will affect your coverage before you ever consider signing up for a new policy. Carefully reading contracts and insurance quotes will make you more capable when shopping for a disability insurance policy that will accomplish exactly what you need.