Should I Hire a Long-Term Disability Attorney?


To level the playing field against a large insurer, it makes sense to hire a disability lawyer.

Asked on September 2, 2018 in Business & Finance.
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You will have to repay most of the benefits you received from the long term disability insurance company. Why do you have to pay it back? Because that’s the terms of the policy. Think of the benefits as a loan to keep you and your husband afloat until social security kicks in.

Most insurance companies through an employer require a payback if social security benefits are approved. You won’t find this in social security rules and regulations because it isn’t a social security issue – it’s between the employer/employee.

What you need to be looking at is the booklet or contract the employer has with the insurance company – you can get this from his human resource department/personnel office.

Your husband probably signed a form with them which he took to social security (or he mailed it to them – whatever) giving social security permission to notify his insurance company about any decisions social security makes on his social security claim.

From personal experience I know that some claims reps forget to do this. That doesn’t alleviate your husband of the responsibility of letting the insurance company know if his claim is approved.

Answered on December 27, 2019.
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