When you file for long term disability with a private insurance company like UNUM or Prudential, there is a very good chance that your insurance policy will require you to also file for Social Security disability.
Your LTD carrier wants you to win approval from Social Security because (1) the monthly payment you receive from Social Security will offset, or reduce, what the LTD carrier has to pay you each month; and (2) your policy likely contains a provision requiring you to turn over your lump sum SSDI award to the LTD carrier.
If you are not prepared for your insurance company's claim on your SSDI money you will likely be very upset when you get a letter demanding your SSDI lump sum check.
LTD carriers argue that the insurance premium you pay contemplates an SSDI offset but that does not make it any easier to sign over that $15,000 or $20,000 check.
LTD carriers may also try to assign a non-attorney rep to "help" you win SSDI, but you have the right to select a lawyer of your choice.
Despite the offset, there are some advantages to qualifying for SSDI after your LTD award. First, your LTD carrier is much more likely than Social Security to try to cut you off. If the insurance company is successful, you have your SSDI to fall back up.
Second, your SSDI payment almost always includes a cost of living increase each year, whereas the LTD payment does not.
If you have questions about Social Security or long term disability, ask your own lawyer, not an LTD rep. If we can be of assistance please do not hesitate to call on my firm.
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Jonathan Ginsberg
Social Security Disability Attorney
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