I didn't realize it until today but I have a life insurance policy that has a disability waiver on it. I have had this policy for years & years. It's $75 a month - so when I noticed the disability waiver I called about it. The ins. company said that they would start a claim & mail me the paperwork. I asked what I would have to do & she said just that they would have my Dr. fill out a paper stating I was not able to do my usual employment & they would verify with social security that I have been receiving social security disability.
I was kind of concerned that if the Ins. company would verify with social security that I was receiving disabilty that it would trigger a social security disability review - does something such as verifying a person is receiving disability draw attention & maybe trigger a review?
I guess I have a concern about the review I know I will eventually get from social security & I think I would
still be considered disabled = but it's one of those things that I think would be kind of something I'd worry about.
I would like to save the $75 a month on my life ins. premium & they would go back 1 year & mail me a check for a years worth of premiums since that is the limit of time they will reimburse you - I should have filed a claim as soon as I was disabled but I didn't realize that I had the coverage.
What would you do - not be concerned that your social security disability would be reviewed just because someone called to verity you were receiving it?