Why are my long-term disability benefits reduced by the amounts I get from social security?

Video Summary

Long-term disability benefits may be reduced by the amounts received from Social Security disability.
People with long-term disability policies are often required to apply for Social Security disability as well.
The reduction in long-term disability benefits occurs due to an "offset provision" in the policy.
If approved for Social Security disability, recipients may receive a lump sum, but spending it all at once is not advisable.
Group long-term disability policies commonly include the offset provision, and individuals should review their policy and seek legal assistance if needed.

Contact Our Long-Term Disability Attorneys Today

Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.