I've written often that these group long-term disability policies you get from your employer really aren't worth the paper they are written on.

One of the reasons this is true is that if you apply for social security benefits (and they make you apply) and you are awarded social security disability benefits you'll find your long term disability check from the insurance company cut, dollar for dollar.

The insurance company not only forces you to apply but they'll even suggest that they have a lawyer who can "help" you.

Don't go for it. We've seen these problems with the lawyers hired by the long term disability company to "represent you":

(not all in this list apply to every such firm, but we've seen these problems)

  1. no matter what your disability, they'll make a mental illness claim for you to social security. this is because the long term disability policy you got from your employer has a shorter limit for mental and nervous conditions.
  2. We've found them to be generally uncooperative when it comes to getting the claim file from them
  3. We've caught them feeding negative information about a claimaint to the long term disability carrier.

Again, not all of them and not all the time.

But here's the real key: you can generally find a qualified social security lawyer in your own home town. The long-term disability company is going to pay their fees for you anyway.

So, never sign this form for a long term disability insurance company. There is no good reason, ever to use "their" social security lawyer.

 

 

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