Navigating the Complexities of Private Disability Insurance
Some working people’s primary source of income after becoming disabled is long-term disability (LTD) insurance provided by their employers or purchased independently. Because a physical or mental impairment that keeps you from working for a year or more may also qualify you for Social Security disability benefits, very important questions can arise about your rights and how to coordinate these separate resources.
Generally speaking, people who receive LTD benefits and are then approved for DIB benefits must repay at least a portion of what they received from the private insurer. Still, it is typically advantageous — and it may be required — for you to navigate all the steps of the Social Security application process. We can help.
Should You Apply — Or Appeal a Claim Denial? Are There Tradeoffs to Consider?
Our work together can begin with our analysis of the terms of your LTD insurance policy and your DIB eligibility. Some key considerations may include:
- The impact of receiving Social Security Disability benefits on the amount of your LTD benefits
- Any potential impact of an DIB claim denial on your LTD status
- Provisions in an LTD policy that may change the definition of disability after two years or another defined period — or special provisions covering mental impairments
- The necessity of proceeding with your DIB claim as protection against possible termination of your LTD benefits
An Experienced Lawyer Will Evaluate Your Case and Follow Through
If you think you may need an Ypsilanti private disability insurance lawyer to help you understand issues and options, our Social Security Disability attorneys can provide this key information. We have built a strong reputation for delivering focused personal attention and getting results for people throughout southeast Michigan who may be eligible for multiple forms of assistance.
To discuss your disability and financial future with a lawyer focused on what will benefit you most, please call Babut Law Offices, PLLC at (734) 485-7000. You can also contact us online. We offer a no-risk, no-obligation case evaluation and representation on contingency, so you can get the help you need without taking on any added financial risk.