Don’t Be Surprised if Your Long Term Disability Benefits are Denied Soon After You Receive Social Security Disability Benefits

One of the most pervasive claims practices that I’ve seen in the course of my disability practice is long term disability carriers playing both sides! What do I mean? Many long term disability policies require that youSurprised by Long Term Disability Benefits apply for Social Security Disability benefits. And, if you don’t, they’ll reduce your long term disability benefits based on an estimate of what they think you would receive in Social Security Disability benefits.

It gets worse! Many disability policies have provisions that allow the disability insurance company to reduce or even eliminate disability benefits if you receive what’s called “other benefits”. Those can include Social Security Disability, workers’ compensation benefits, retirement benefits, even a 401k distribution.

More often than not, the long term disability carrier will suggest that you hire a company like Allsup which are paid by the long term disability carrier to assist you in getting your Social Security Disability benefits. And, guess what? As soon as you get those disability benefits the long term disability carrier will cry “overpayment” and allege that they have overpaid you benefits because you have received both long term and Social Security Disability benefits. What’s even more amazing is that the long term disability carrier will soon find a reason to deny any further disability benefits claiming that they have over paid you and they don’t owe you anything.

This situation happens more often then we’d like to see. Before you file a claim for disability benefits or before you retain the services of a Social Security representative recommended by the long term disability carrier, get a free no obligation consultation regarding your rights to long term disability benefits and the impact Social Security might have on those benefits. You can contact long term disability attorney, Nancy Cavey, for a free, no obligation thirty minute consultation. 727-894-3188.

If You Don’t Pursue Your Long Term Disability Claim for Multiple Sclerosis Now, You’ll Hate Yourself Later

In the United States there are over 400,000 people with MS and over 200 new cases are diagnosed each week. If you have a long term disability policy you should consider applying for long term disability benefits. MS is a chronic, often debilitating disease that can attack your brain, spinal cord, and optic nerves.

This can cause numbness in your limbs, fatigue, motor weakness, poor balance, heat sensitivity, pain, cognitive impairments, mood disorders and even paralysis or loss of vision.

Unfortunately, as many as 50% of people with MS are unable to work because of their disability. If you have been diagnosed as having MS and have a long term disability policy, you should consult a MS long term disability attorney to assist you with your long term disability application.

If you have applied for long term disability benefits because of disability caused by MS and/or complications and were denied, you should immediately consult with a reputable MS long term disability lawyer. Why? You will have 180 days from the date of your denial in which to appeal the denial of your MS long term disability claim. Regardless of how strong your physician supports your claim, you will need to the assistance of a qualified MS long term disability attorney to assist you in the claims and appeal process. If you don’t, you will hate yourself later when the time for the appeal of your denial has lapsed.

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