Can the insurance company just stop or reduce the amount they are paying me?
If you have been out of work for more than 90 days, the answer is (generally) no. The insurance company cannot stop or reduce your checks unless they have your agreement, a workers’ compensation judge issues an order directing that your checks be stopped or reduced, or you actually return to work. If you actually return to work, the insurance company must issue proper notices that it intends to stop or reduce your benefits. There are exceptions. For example, if you are incarcerated, the insurance company can stop paying your benefits. If you receive unemployment compensation benefits, pension or retirement benefits, or social security retirement benefits, the insurance company can reduce your benefits simply by filing a notice.