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How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

Don't use a Disability Lawyer or representative Provided by an LTD company



 
There are companies in the U.S. that involved with both Social Security Disability claims and long-term disability insurance claims and if you contact such a company to help you on your SSD case you could find yourself in not-the-most-advantageous position.

Should you use a Social Security Disability Lawyer or representative Provided by an LTD company?

No, you shouldn't. This isn't just my opinion, but the opinion of many. There are lots of reasons why, but the chief reason you should not use a Social Security Disability lawyer provided by a long term disability insurance company is simply this: they're not doing it to help you. They are doing it to recover their money.

How so? If you are approved for Social Security Disability, then the LTD company will be able to do two things that, to my mind, never should have been allowed to occur as a matter of practice.

First of all, they will, most likely, be able to take your social security back pay from you. Unfortunately, there will be nothing you can do about this since this will be defined by the terms of your Long term disability insurance contract (but in my opinion, this should be illegal and Congress should outlaw the ability of for-profit insurance companies to rip off the disabled and fleece the goverment out of U.S. tax dollars).

Secondly, the LTD company will probably reduce your monthly LTD benefit by the amount that you receive each month in Social Security Disability benefits.

So, you pay your premiums faithfully, and then they--the insurance company--try to get out of providing you what you paid for. And they do it under the guise of helping you, by supplying their own cherry picked disability lawyer who works for them, not you.

And here's one clear danger to letting someone handle both your Social Security Disability and LTD cases together. Many individuals who file for LTD may not know this, but if LTD benefits are approved on the basis of a mental impairment, then the benefits will probably "cap out" after two years. Do you really want an insurance company to have access to your social security records which may contain evidence of any mental impairments that you may have, if they can use this as a basis for restricting your LTD benefits to just two years?

The lesson: don't let anyone ever represent your Social Security Disability and LTD cases together. And don't get involved with a representation company that handles both Social Security Disability and LTD cases. It's not a good idea, or a safe one. And the practice should be illegal.








Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state



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These pages provide answers to basic questions about pursuing disability benefits

What Mental Problems Qualify for Disability?
Disability for a mental condition
Tips for Filing for disability
Financial Help Filing For Disability
Checklist for filing for disability, SSI or SSD
Qualifying for disability benefits, how to qualify for SSD or SSI
Filing a disability application: the steps
Disability award notice, how long it takes to get benefits
How to Apply for Disability - Where do I go?
What makes you eligible to get disability?
How to check my disability claim status?
Can a disability attorney speed up a disability case?
SSI disability Award Letter
How long to get approved for disability?
How to apply for disability benefits
How long does disability back pay take?
What are qualifications for getting disability?
What medical conditions can you file disability for?
Disability Lawyer help questions
Social Security Attorneys, Disability Representatives








For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.