Mulqueen Disability Law

More people are using AI to help manage their LTD claims.

And it can help—with organization, communication, and understanding the process.

But there’s a line.

AI provides general information.
It doesn’t understand your policy, your medical evidence, or how insurers handle claims in practice.

That gap can lead to confusion, mistakes, or unnecessary stress.

Used properly, AI can support your claim.
It shouldn’t guide it.

Read more: https://mulqueendisabilitylaw.com/ltd-blog/ai-long-term-disability-claims-risks/

An Insurance Medical Examination (IME) is not treatment—it’s part of your LTD claim.

These assessments are arranged by the insurer and focused on one thing: your work capacity.

What you say, do, and demonstrate during the IME can directly impact your benefits.

Preparation matters.
So does understanding your rights.

Read more:
https://mulqueendisabilitylaw.com/ltd-blog/insurance-medical-examination-ime-ltd/

The 2-year mark in an LTD claim is a turning point.

This is when the definition of disability shifts from “own occupation” to “any occupation.” At that stage, insurers reassess whether you can work in any suitable role—not just your previous job.

Many claims are terminated here, even where symptoms continue.

Understanding this transition—and preparing for it—can make a meaningful difference in protecting your benefits.

Read more at:
https://mulqueendisabilitylaw.com/ltd-blog/change-of-definition-ltd-own-to-any-occupation/