Under ERISA, the court will award (if you win) past-due benefits due under a disability policy up to the date of the court’s decision. The court may also order that your monthly benefits should be reinstated going forward. This means you will be put back “on claim,” and you can still be cut off again. You will be required to continue to submit proof of your disability to be entitled to future benefits. It could also be that the court simply decides to give the insurance company another shot at making the right decision (“remand”), and you may have to start all the way back at square one with nothing to show for it. This is often used by insurers to starve plaintiffs out and force acceptance of low settlement offers because this can add years to the process.