When you file a long-term disability insurance claim, the company will often require you also to file a social security disability claim, even if you do not have a disability that would entitle you to social security disability benefits.
Often, you will be referred to an outside social security claim vendor, such as Allsup, for filing that claim.
Allsup (or the disability insurance company) may tell you the following:
- the disability company reviewed your file and has indicated that you may be eligible for Social Security disability benefits.
- Allsup is an expert vendor in the field of Social Security Disability Insurance representation.
- Allsup believes you may be eligible to receive a Social Security award and this award is very important financially for you and your family.
- Allsup is successful in 97 percent of the cases it handles.
- Allsup's service is designed to assist you from the comfort of your own home.
- The insurance company has agreed to pay all of our fees, and therefor Allsup's services are totally free for you.
Here's our opinion and recommendation:
Find yourself a good social security disability lawyer - someone who does not rely on your disability insurance company to "find" clients for them.
The real reason the insurance company wants you to pursue social security benefits is because if you get social security benefits, it almost certainly reduces what the disability insurance company owes you (check your disability insurance policy...look for "Offsets for Other Income" or something similar). If have this clause in your policy and you get a "back benefits" check from the Social Secuirty Administration, your LTD insurance company will be entitled to that money.
It is sometimes difficult to get records and cooperation from a social security disability company that relies on your long-term disability insurance company (that's our experience.)
Our experience is that no matter who you use, the disability company will pay that attorney fee, by reducing the amount that you will owe the insurance company if you win Social Security Benefits. So they are all FREE.
Here's when we recommend you use Allsup: when you have no chance of getting Social Security benefits.
Many times you have a disability that qualifies you for benefits under your insurance policy but would not qualify you for benefits under Social Security law. The disability insurance company will still force you to apply to Social Security - a waste of your time and the government's resources!
Since no private Social Security attorney would likely help you under those circumstances, and the LTD company is going to make you apply anyway (or else they will reduce your benefits by what you "could" receive in SSDI), you might as well use Allsup.