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Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

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National Disability Law Firm | Ortiz Law Firm

We appeal wrongful long term disability insurance and Social Security Disability denials.

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If I Refuse Surgery, Can I Be Denied Long Term Disability Insurance Payments?

July 14, 2020 //  by Dawn Keller//  Leave a Comment


If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and deny your claim for that.

However, you should not be denied for failure to comply for the following reasonably compelling reasons:

  • You cannot afford the treatment;
  • The side effects of the medications are making your symptoms worse;
  • The medications from different doctors are causing side effects to be worse;
  • The prescribed medicine is against your religion;
  • Your doctor says no treatment options will work for your disability;
  • The treatment plan involves very addictive substances;
  • The treatment plan involves amputation; or
  • The treatment plan includes an experimental treatment not proven to work.

Although based in Florida, the Ortiz Law Firm represents claimants across the United States. If your LTD claim has been wrongfully denied, delayed or terminated and you’d like to speak to an experienced Long Term Disability Insurance Attorney contact us at (866) 853-4512 to schedule a consultation. We can help you evaluate your claim to determine if you will be able to access Long Term Disability Benefits and how to move forward with the process.

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Category: Long Term Disability, Medical Eligibility for Long Term Disability Claims

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Jennifer W.

My claim was denied twice, but once the Ortiz Law Firm got involved my case was approved. Seriously, I am so pleased with Ortiz Law Firm and so thankful that they were able to help me and my family during these super difficult times. Tory and Mr. Ortiz were able to get my case approved and I will forever feel indebted to them because of that. Since I got sick my brain/thoughts aren’t what they used to be, but I would like to go on record with nothing but the highest regard for Tory & the Ortiz Law Firm.

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