Everyone deserves a vacation now and then, especially when a person has gone through the pain and stress of long term disability. With summer right around the corner, the kids home from school, and the weather starting to get nice, you may be considering taking a well-earned vacation. This could be needed in order to relax and rest your mind or just to take a break from your everyday troubles.
Before you leave on your respite care or vacation, ensure you review and confirm your insurance claims, forms, and paperwork that come with receiving long term disability. Here are a few things you need to consider:
Check Your Insurance Policy
Some policies prohibit certain types of travel. Read your policy closely to see what you can and can’t do when it comes to travel.
Contact a Disability Claim Administrator
Whether you find any travel restrictions in your policy or not, it is still a good idea to check with your Disability Claim Administrator. They should have a better idea of what is and isn’t allowed under your policy.
Get Medical Clearance & Documentation
Check with a healthcare professional whether or not you can travel with your disability. Not only could travelling without medical clearance hurt your case, but it could be dangerous or affect your medical condition. Make sure you get their assessment in writing, signed with their contact information. In some cases, medical pre-approval may be a requirement.
Complete Paperwork or Reschedule Appointments
Even if you’re in the clear in terms of your policy, you still need to make sure you don’t have any paperwork due or upcoming appointments related to your claims while you’re away. Failing to complete your paperwork or not showing up for your appointments might put your case in jeopardy. You also want to avoid cancelling or rescheduling any appointments as it can look suspicious and might bring unwanted scrutiny on your case.
Keep a Journal
While you’re away, keep a journal tracking how you feel, what you’re doing, and any limitations or issues that you face as a result of your disability. For example, if the entire family goes water-skiing it might be a good idea to make a note that you were disappointed in not being able to join them as a result of your injury.
Insurance companies are known for their harsh use of surveillance. If they believe you are lying about your disability then you better believe they are going to do their best to prove it. Going on vacation might trigger surveillance, and you should assume that anything you do in public is being watched. You have a right to enjoy your vacation, however, keep in mind that pushing yourself too hard or “playing through the pain” might be viewed differently from insurance company surveillance.
Any pictures, social media posts, or public communications (from you or friends and family) might find their way into the hands of the insurance companies. If you have a bad back don’t post a photo of you carrying your children on the beach, if you have a knee injury don’t post updates about learning to surf. Don’t do anything that may arouse suspicion. Make sure your friends and family are aware of your situation.
Talk to a Personal Injury Lawyer
Not sure what you should do? If you have any questions or concerns don’t hesitate to speak with a personal injury lawyer. At Zayouna Law, we provide you with the assistance and help you need to understand your long-term disability case. Don’t let insurance companies deter you from going on vacation. Contact us or call (416)-622-0003 for a free consultation!
Relax, Enjoy Your Vacation!
Remember, taking a vacation can be a healthy source of mental and physical stress release. Some doctors might even recommend it. Just know your policy, be aware of your actions and enjoy your vacation to the fullest.