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[OP]
Jr. Member
Oct 29, 2017
115 posts
14 upvotes

Disability payments

I've recently hurt myself pretty badly and have been on short term disability. My specialist is now recommending surgery that I am really not keen on having after having read about some of the potential complications on the Internet from people who have gone through this ordeal.

Without the surgery, my chances of getting better are probably zero, and my disability will be permanent, but if I have the surgery, there is a risk of further damage.

My question is if I refuse the surgery, will my disability payments from my employer stop because I am no longer following my doctor's recommendations? There are no other treatment options available other than surgery.

Thank you
7 replies
Sr. Member
Sep 23, 2013
506 posts
286 upvotes
Windsor, Ontario
timc00k wrote: I've recently hurt myself pretty badly and have been on short term disability. My specialist is now recommending surgery that I am really not keen on having after having read about some of the potential complications on the Internet from people who have gone through this ordeal.

Without the surgery, my chances of getting better are probably zero, and my disability will be permanent, but if I have the surgery, there is a risk of further damage.

My question is if I refuse the surgery, will my disability payments from my employer stop because I am no longer following my doctor's recommendations? There are no other treatment options available other than surgery.

Thank you
Call the insurance company to find out. Let them know all of the details and request their response confirmed in writing via e-mail. Don't take any advice on something this specific from an internet forum as it's a pretty specific case.
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Dec 27, 2009
7063 posts
4207 upvotes
Victoria, BC
timc00k wrote: I've recently hurt myself pretty badly and have been on short term disability. My specialist is now recommending surgery that I am really not keen on having after having read about some of the potential complications on the Internet from people who have gone through this ordeal.

Without the surgery, my chances of getting better are probably zero, and my disability will be permanent, but if I have the surgery, there is a risk of further damage.

My question is if I refuse the surgery, will my disability payments from my employer stop because I am no longer following my doctor's recommendations? There are no other treatment options available other than surgery.

Thank you
I would take my surgeon's advice over some horror stories I pulled up from the internet, but that's just me.
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Oct 13, 2007
3225 posts
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Edmonton
timc00k wrote: I've recently hurt myself pretty badly and have been on short term disability. My specialist is now recommending surgery that I am really not keen on having after having read about some of the potential complications on the Internet from people who have gone through this ordeal.

Without the surgery, my chances of getting better are probably zero, and my disability will be permanent, but if I have the surgery, there is a risk of further damage.

My question is if I refuse the surgery, will my disability payments from my employer stop because I am no longer following my doctor's recommendations? There are no other treatment options available other than surgery.

Thank you
You need to have your physician support your decision. Your physician would need to make a case for not having the surgery in order not to impact your disability payments.

Do not follow advice to call the insurance company.

It's good that you are not blindly following medical advice as most people often do, including doing your own research. I can appreciate that you do not want surgery.

Understanding that this is sensitive, can you share the nature of the surgery without providing any details?
Sr. Member
Jan 23, 2009
722 posts
522 upvotes
Ontario
starchoice wrote: You need to have your physician support your decision. Your physician would need to make a case for not having the surgery in order not to impact your disability payments.

Do not follow advice to call the insurance company.
OP read the best advise is above also remember the insurance want you off disability yesterday
Deal Addict
Jan 15, 2017
3514 posts
2866 upvotes
Without knowing the particulars of your disability and of your disability insurance terms and conditions, it is difficult for anyone to provide a reasonably correct response.

Most insurance companies have very specific definitions when it comes to permanent disability. A permanent disability from a disability insurance point of view rarely means a disability that you will have forever. It usually refers to a disability that results in your not being able to perform any work. "ANY" being the operative term. Some insurance companies will allow "ANY" to mean any job for which you are reasonably qualified for based on your education and training, but some simply define it as ANY job whatsoever. This can be a tough criteria to meet as there are many people who are disabled who are able to work.

Depending on your age, nature of your disability and your insurance restrictions, disability payments eventually either stop or are significantly reduced. The norm that at the 2 yr mark, a re-assement is required to meet the definition of permanent disability.
Sr. Member
Sep 23, 2013
506 posts
286 upvotes
Windsor, Ontario
starchoice wrote: You need to have your physician support your decision. Your physician would need to make a case for not having the surgery in order not to impact your disability payments.

Do not follow advice to call the insurance company.

It's good that you are not blindly following medical advice as most people often do, including doing your own research. I can appreciate that you do not want surgery.

Understanding that this is sensitive, can you share the nature of the surgery without providing any details?
OP says he wants to go AGAINST his physicians recommendations. That is why I told him he would have to contact the insurance company to see where they stand on this. If he were to follow his physician's advice, then there would be no need to contact the insurance company. Keeping the insurance company in the dark and waiting until after this settles is bad advice.
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Dec 27, 2009
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Victoria, BC
SteveDfsin wrote: OP says he wants to go AGAINST his physicians recommendations. That is why I told him he would have to contact the insurance company to see where they stand on this. If he were to follow his physician's advice, then there would be no need to contact the insurance company. Keeping the insurance company in the dark and waiting until after this settles is bad advice.
OP is unfortunately giving Google more respect than his specialist. I have had several successful surgeries in my life, and if I were to go by searching Google for horror stories/outcomes of the same surgeries I would have had none (and I'd be much worse off today). I'm betting the bad outcomes are very rare, and the specialist is advising a surgery that would improve OP's life.

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