Quadrino Schwartz, your resource for Insurance, Class Actions, and Business Law

Forewarned . . . Disability Insurance Trap

Some insurers are denying coverage under long-term-disability policies on the basis of a Functional Capacity Evaluation (FCE) conducted by physical therapists.

FCE tests are designed to simulate the demands on a person's body by requiring him/her to perform physically demanding, repetitive and stressful activities. But FCEs are unreliable.

Self-defense: Be sure your policy only requires examination by physicians and does not mention FCEs. Insist that the insurer adhere to the policy.

Richard Quadrino, partner, Quadrino & Schwartz, PC, attorneys specializing in insurance cases, 666 Old Country Rd., Garden City, New York 11530.