When it comes to group disability insurance, many people are excited to find that this is a benefit offered by their employer. While this is something they hope they never have to use, it is a good policy to have because you never know what the future holds.
Although our California readers may not pay much attention to insurance disability news from the state of Montana, a recent story is sure to pique your interest.
A state judge recently denied disability benefits to a former undersheriff who was attempting to argue that post traumatic stress disorder, as a result of his 15 years as coroner and deputy, led him to drug abuse which subsequently resulted in his firing.
In October 2010, the man was charged with breaking into a home to steal prescription drugs. He later pleaded guilty to the charges and agreed to give up his law enforcement certifications.
On two separate occasions, the Montana Public Employees Retirement board denied the man’s claims for disability benefits. He even went as far as taking the retirement board to court this past February, arguing that their findings were in error. He argued that his addiction was nothing more than a failed attempt to help relieve the symptoms of post traumatic stress disorder.
According to reports, the district judge overseeing the case rejected the man’s claim for disability benefits during a court ruling on Sept. 23, 2013.
Some people purchase disability insurance on their own, while others rely on a group plan to provide them with protection. Of course, there are people who don’t have any type of disability insurance.
Those with a policy should become familiar with the coverage, including any circumstances that may lead to the insurance policy not paying benefits should the time come for a future claim.
Source: Helena Independent Record, “Judge denies disability benefits in drug case” No author given, Oct. 03, 2013