Can Insurance Companies Force You to Return to Work While on Disability?

Many people receiving long-term disability benefits eventually face a common challenge. They receive a letter from their insurance company claiming they have improved and are ready to work. Often, these claims come without solid medical evidence. This pressure can lead to a forced return-to-work situation. You may feel you must choose between your health and […]

Written by : Joe Capitan

Last Updated: February 5, 2026

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The difficulties I faced when my CIGNA / New York Life LTD claim was denied were by far larger than I expected. I have never set a foot in USA, but used to work for a US organization here in Europe. Being fully accustomed to my local legal and cultural conditions had not prepared me in the least to even understand the US legal system, much less to deal with it. I can truly say that it was my lucky day when while browsing through internet and trying to make sense of the confusing situation, I stumbled upon the website of [firm-name] firm. They provided information and possible strategies, answered many naïve questions I asked them in my poor, heavily accented English, showed compassion, gave comfort and went above and beyond what I had expected from legal counsels. Words cannot express my gratitude for the competence, professionalism and patience they displayed and the solid, detailed work they did, in spite of the obstacles that dealing with two profoundly different medical systems put in their way. My special thanks go to Greg, a truly amiable, reliable, diligent and simply kind person, who puzzled my European mind by working the case tirelessly during weekends and even on his vacation, always putting his clients first, never letting the need for rest overcome the passion he has for his profession.

It was Absolutely wonderful dealing with them! I was afraid and they took the worry out of the situation made me feel safe and assured that they could handle my situation. And they did! I would use them over and over. Both attorneys were kind, compassionate, knowledgeable and informative. Thank you for your services.

Teresa Breese

The best experience ever with Eric, made everything easy and I understood every step of the way

Stephen Threedouble

Caring and good listener. Ready and willing to help.

Cynthia Anthony

Joe was referred to my by a well known and respected attorney. I hired Joe shortly thereafter , his work ethic , knowledge of the law is unparalleled. I was never in the dark about anything, he was always honest and forthright which led to very successful outcomes in my cases. I highly recommend this Attorney.

Chad

Disability by Occupation Blog

Can Insurance Companies Force You to Return to Work While on Disability?

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