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Not necessarily.  Each case is different and we have seen insurance companies terminate benefits when a particular form has not been filed on time.  However, benefits can be reinstated once the form gets filed.  Of course, this assumes that it has not been months and months since some form was due and you have totally neglected your duty to communicate with the insurance company.  Again, each case is different.  Ben Glass offers a free review of your termination letter in order to determine whether he can help or whether he can refer you to someone who can help.

Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.