Ben's Blog 
ERISA Disability Insurance Claims
- Inova Physian Services Corporation Long Term Disability Policy - Advice it to Get an Individual Policy
- Weasel Clauses You Never Want to See in a Disability Policy
- Should You Use THIS Social Security Lawyer (the insurace company recommends)
- Words You Don't Want To See In Your Long-Term Disability Insurance Policy
- What You Need to Know About Long-Term Disability Insurance Companies
My disability insurance company is asking me to file for social security disability benefits and they are offering to provide an attorney for free to do this? Is this a good deal?
A: A: No.
Most every disability insurance contract does require you to file for social security disability if the insurance company asks you to. No matter which attorney you choose for the social security claim, you will be reimbursed by the disability company, so they are all "free" in that respect.
But here's the real problem. While the social security company representing you should be looking after your interests only, they often (most often--always, in my experience) are working aggressively to make sure the disability company is going to get its repayment of benefits. They'll have you sign a form, typically authorizing them to put their hands right into your checking account to grab money if you get your SSDI benefits.
In my opinion, that's a major conflict of interest.
Here's another I've seen. Knowing that the long term disability insurance company will pay minimal benefits if your disability is mental illness related, the "free" attorney recomended by the disability insurance company will work to make your SSDI claim a "mental" claim. That's real good for your disability company and bad for you.
It is, in my opinion, always better to hire a good social security disability attorney who is local to you and who will look out for your best interests only.
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Latest News
- Posted on 5/10/2012Consumer Guide to Buying a Group Long-Term Disability Policy in Virginia
- Posted on 2/12/2011What happened When Prudential Tried to Get a Bankrupt Woman to Pay Its Attorney Fees?
- Posted on 11/17/2009Sun Life Could Not Simply Ignore Social Security Award
- Posted on 11/17/2009Unum Orders Functional Capacity Exam, Then Ignores It
- Posted on 10/22/2009Prudential insurance company loses another disability case