Individuals who are unable to work due to a disability can collect long-term benefits from a private disability insurance plan as well as Social Security. The process of qualifying for those benefits, however, is not automatic. Applicants must often satisfy strict criteria to verify that their health issues fall within the definition of “disabled” under each specific benefit plan.
Our lawyers at Marc Whitehead & Associates represent individuals throughout the United States to collect all disability benefits that they may be entitled to receive from both private plans and Social Security. We help our clients navigate the application processes and fight to reverse denials.
Long-Term Disability Policies Often Require You to Apply for Social Security
Most private long-term disability insurance policies include provisions that obligate policyholders to apply for Social Security Disability (SSDI) benefits before it pays out anything. As a result, if you do not apply for SSDI, your private insurance might reduce your benefit payments by the amount you would have received from Social Security. For example, if your private disability policy provides a maximum monthly benefit of $2,000, but you might also qualify for a monthly SSDI payment of $500, your private policy will pay you only $1,500 per month.
A Long-Term Disability Attorney Can Verify That You Are Receiving All of Your Benefits
In every case, a social security disability attorney is your best advocate to help you coordinate your benefits from private disability insurance and SSDI. They can ensure that you are receiving the full amount of benefits that you are entitled to receive. These insurance policies frequently include complex definitions of what constitutes a long-term disability and how you can qualify for benefits. Those definitions and qualifications may differ from SSDI requirements. A social security disability lawyer will represent and pursue your interests along each application path and confirm that all appeals of adverse decisions are filed in a timely manner.
In some situations, you may also be entitled to a lump sum SSDI payment to compensate you for the time when your application was pending. Your private insurer might then claim a refund of the amount it overpaid. A disability claim attorney can help you manage this and avoid benefits shortages that can harm your finances while you are unable to work.
Call the Law Offices of Marc Whitehead & Associates for a Free Consultation
Applying and qualifying for disability insurance benefits can be a difficult and exhausting task. We help clients throughout the United States to collect the full benefits they are entitled to recover under long-term disability insurance policies and social security administration. Please call any of our Texas offices for a free consultation. We have helped hundreds of clients to collect maximum disability benefits, and we are committed to doing the same for you.