Is Your Long Term Disability Carrier Threatening to Cut Off Your Benefits If You Don’t Apply for Social Security Disability?
A long term disability carrier will normally provide you with a “legal representative” that they hire. Did you know that the representative might not be an attorney; they might be a part of a nationwide company? The long term disability company is going to entice you to use their representative, with the suggestion that this is a “free benefit” of your long term disability benefit.
Your long term disability insurance company isn’t telling you the truth. Are you surprised? You probably don’t realize that there is a clause in the long term disability policy that says if you are approved for Social Security Disability benefits, the long term disability carrier gets to be repaid on your back benefits any overpayment – and there will be one, and they can reduce your long term disability benefits.