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
TERMINATED BENEFITS: My disability insurance company terminated my benefits. Then the company they hired to represent me dropped me as a client. I went to the Social Security Adminstration and got my benefits anyway. Now my disability company wants to be repaid out of my Social Security award. Can they do this?
A: You have run into two major problems with these group long term disability insurance policies. First, you discovered that yes, most require a repayment if you are later awarded social security disability benefits. Yes, you will likely have to repay your disability company, even though they have now terminated your benefits!
The second major discovery you made is that these companies that the disability insurance company send you to for a "free" representation in your social security disability claim are working for two "masters," you and the company that hired them. Unfortunately, we've seen a lot of dubious practices carried about by these "we'll get your social security benefits for free" companies the disability companies send people to.
So, unfortunately, you have seen the worst of these disability companies. Benefit denial followed by a request that "you pay us back out of your social security benefits."
While each contract is different and you should consult with an experienced disability company in your area, you have seen pretty much a routine and legal dubious practice.
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- Ben Glass is a rare breed, he is an ethical lawyer with impressive integrity.
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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