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What does legal claim against insurance company means? What are its possible outcomes?
Secondly, if you take a "buyout" from your insurance company for LTD, how does it effect the employment contract? Does this mean my employment is terminated and I will no longer be receiving the benefits like pension, extended health benefits etc.
Legal claim means suing the insurer. Possible outcomes in the long term disability context generally means a lump sum settlement or a reinstatement with retroactive pay to when the person was denied or cut off benefits. The second question depends on a number of factors and on each specific case. Please contact me at my contact info below if you would like to set up a time to talk.