Overview of Disability

Disability Back Pay

Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

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.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

Disability requirements and how to file in Illinois
Social Security Disability, SSI, chiropractors, and evidence
Bad Social Security Disability advice
Social Security Disability SSI, drug and alcohol use and abuse
Partial disability benefits
How to File for SSI
How long does it take to get a disability approval letter?
Social Security Disability hearing decision time
How do you Apply for SSI?
What is the Application Process for Social Security Disability and SSI?
What medical conditions do they Award Disability Benefits for?

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

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