If I am approved for Social Security does that mean the disability insurance company must approve my disability claim?
Disability attorney Stephen Jessup discusses how an approval from Social Security for beneifts relates to a claim for disability insurance benefits.
Just because the Social Security Administration has approved you for benefits under their standards, it’s not a guarantee that you’re going to get your long-term disability situation. There’s different standards, there’s different ways in which they evaluate a claim. Obviously, we’ve discussed on recent episodes how courts are looking more and more into making sure the insurance companies are reviewing their files, Social Security claim files; however, it’s not carte blanche meaning you’re going to get your benefits. Social Security may have, for instance, approved you for a mental health condition but your policy may only have a two-year limitation so they could cut you off after that point. Or, your policy through your employer or something you purchased on your own, there might be an exclusion to certain conditions, or you might have a pre-existing condition which wouldn’t make you eligible under your group disability policies. So although Social Security can be a strong piece of evidence to the total picture of your disability and your claim, it doesn’t mean that just in receiving those benefits that you’re going to be approved for your long-term disability. If you have any questions regarding this situation, please, by all means, give us a call and we’ll see if there’s anything we can do to help you out.