• SSDI Benefits versus Long Term Disability Insurance Benefits (Ep. 1)

SSDI benefits versus long-term disability insurance benefits

In this episode we invited social security disability attorney Scott Bugay to discuss social security disability income claims. On a weekly basis we receive numerous phone calls from disability insurance claimants around the country that have questions related to social security disability income benefits (SSDI). Most group long term disability policies governed by ERISA require a disability claimant to apply for SSDI.

During this episode Scott answers the most common SSDI questions related to LTD claims, SSDI overpayments, the SSDI claim process, and we discuss the differences between an SSDI definition of disability versus a disability insurance policy definition of disability.

While our firm will assist our clients with the application process for SSDI benefits, we do not handle SSDI claim denials. Our firm focuses exclusively on the representation of individuals that have disability insurance claims with disability insurance companies.

Have you dealt with a disability insurance company? Share your experiences in the comments!

Comments (6)

  • Chuck,

    If you have been working for your employer for less than a year, and you have had your condition prior to employment, chances are that your claim will be barred under the LTD plan as pre-existing. I would suggest you secure copies of your policies to ascertain same. With respect to SSDI benefits, you will need to consult with a Social Security attorney in order to best ascertain your chances for receiving same.

    Stephen Jessup Feb 20, 2014  #6

  • Have had RSD for 13 years since age 13. Have worked at various places after treatments made the pain bearable; Latest employer (since July 2013) was made aware of my condition and limitations it might place on me but hired me (as exempt) and I signed up for Group Disability (STD and LTD) as well as health insurance through work after the coverage from my parents ran out when I turned 26 in the fall. I’ve told employer that pain is affecting my concentration but now, employer is saying that I should be looking for something else because they may have to let me go due to my low productivity.

    Should I try to make a claim through STD and LTD or should I just let them let me go and file SSI?

    Given the level of my pain, I doubt I’ll be able to get another job.

    Should I seek legal advice to help me make the best decision?

    Chuck B. Feb 19, 2014  #5

  • Mary,

    We would advise you not to complete this form unless the disability policy requires you to do so. The insurance company should not have access to your bank account.

    Gregory Dell Apr 19, 2013  #4

  • I am currently receiving long term disability through my job; I have applied and been denied by SSDI and I am currently in appeal status.

    My SSDI company, Allsup, has sent me a form to allow for automatic bank deduction by my long term insurance company if I receive back payment from SSDI. Should I fill this form out?

    Mary Apr 18, 2013  #3

  • David,

    They are unfortunately entitled to obtain your social security information.

    Gregory Dell Mar 22, 2013  #2

  • Unum is my LTD for many years. I did not give them my lump payment from SSDI and they are subtracting the sum from the minimum monthly payment they would pay me of $199.00. After 3.5 years we are getting close to paying the $13,000 over payment off by the $199.00, monthly. Now Unum wants me to give SS info to them. If not, can they cancel my policy and keep my SS payments until overpayment is paid off?

    David P. Mar 21, 2013  #1

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Alicia G.

When I called Dell & Schaefer I was at a loss of what to do after receiving notice from Cigna that they were terminating my disability benefits after 8 years of having them with no issues. When Jay Symonds called me back, he was very empathic & took plenty of time to answer all of my questions. Given that I had never gone through this before he even advised me to look into other law firms if it would make me more comfortable. We had a few conversations before I retained them & he was very thorough in explaining everything that I could expect from them as my attorneys as well as what to expect from the appeal process.

Throughout the entire appeal Vanessa or Mr. Symonds always kept me up to date & always made themselves available to talk & answer any questions I had. I am so glad I went with Dell Schaefer versus another firm because I doubt I would have received the same personal attention, & that meant a lot to me under such a stressful situation. Everyone I’ve encountered at Dell & Schaefer has been professional & courteous & I would highly recommend their firm to anyone needing a disability attorney.

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