Hartford Disability Help

Question

Since I started receiving SSD before LTD started can they legally reduce my LTD?

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

Asked on August 3rd 2014 by CB

I receive LTD and the policy I have says if I am receiving SS Disability before receiving LT benefits that my Social Security would not be offset it says that they will only be offset if I start receiving them after I start receiving LTD. I was entitled to SS benefits starting May 1, 2010. As per previous discussions with the company with regards to the contract I have with them it states that if I was receiving benefits from SS prior to receiving LTD from the company I am entitled to my full amount with no reductions under this agreement. I filed for my SS benefits before I was even allowed to file for my STD. LTD company did not start paying me LTD until May 22, 2010 they paid this in August of 2010 and went back as far as May 22, 2010 for my LTD. Social Security picked up as of May 1, 2010. My first LTD check covered from 05/22/10-08/31/10. Since I legally started receiving SSD before LTD started can they reduce my LTD legally?

Answer

Answered on August 3rd 2014 by Attorney Alex Palamara

CB, We would need to know more about the specific facts surrounding your claim for benefits under SSDI and your insurance carrier. If the disability is based on the same condition or arises at the same time then the company may be entitled to offset the benefit. Furthermore, as the facts and circumstances giving rise to your question occurred over 4 years ago you may possibly be precluded from pursuing legal recourse on account of the Statute of Limitations expiring. Please feel free to contact our office to discuss how we may be able to assist you.

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9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

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I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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Question

Since I started receiving SSD before LTD started can they legally reduce my LTD?

Answer

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