If you’re on a long-term disability insurance company’s payment system where you receive payment for your benefit claim on a monthly basis, that long-term disability insurance company is going to want you to file for social security. If they can get social security to agree you are disabled and start paying you, the long-term disability insurance company can reduce its monthly benefit to you. That system seems reasonable until you understand that the insurance company isn’t going to agree later on with the disability determination by social security. It’s not the way it works. It doesn’t seem reasonable. We know how to fight the insurance companies on this issue. We’ve seen it time and time again. If the insurance company is telling you that social security’s decision only benefits the insurance company. You need to pick up the phone and call us today.
