You asked whether a disability insurer must give an insured prior written notice of benefit termination.

No. According to Mary Ellen Breault, the Insurance Department's Life and Health Divisions director, once an insurer determines that the insured is no longer disabled and eligible for benefits, it can terminate benefits without further notice.

If the insured believes the ineligibility determination is inaccurate, he must prove it in order to continue to receive benefits.

The insured may wish to contact the Insurance Department's Consumer Affairs Division for guidance at (860) 297-3884.

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