Dovetailing Social Security Disability with Long Term Disability

One of the points in most Long Term Disability benefit claims is when, at long last, Social Security Disability benefits have been awarded. 

The delay in the award of Social Security Disability is routine.  Unless you meet the age 55 “bright line” test, have one of the “scheduled” medical conditions or have a catastrophic medical condition, the first denial is routine.  It is at that point in your Social Security Disability claim that hiring an attorney to represent you in that claim is a must.

Simultaneously, your Long Term Disability claim is moving along.  If benefits are being paid, the insurance company will ensure that you understand that at least part of the money you receive from the Social Security Administration in payment of disability benefits are an offset reduction of the amount of money the private insurer owes you.

So, if the insurance company is paying the full benefits for a couple of years and then past Social Security Disability benefits are awarded, there may be a significant overpayment of Long Term Disability benefits.  The insurance company will try to recoup this from you.

Here at Herbert M. Hill, P.A., we have walked many clients through this seeming maze.  There are accounting and taxation issues involved.  The insurance company will usually employ a series of indecipherable calculations with a demand that you send a check sometimes in an amount more than you received from Social Security disability.

If you have any questions about your Long Term Disability or Social Security Disability claim, give Herbert M. Hill, P.A. a call and we will gladly answer any questions you may have.   We are available at 407-839-0005 or, toll free, 844-454-59995,  If you would like, after discussing your case, we can set a conference.  In most circumstances, that conference would be free of charge but in no circumstance would you be under any obligation to hire me nor would you feel any pressure from me to do so.  Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida and the Southeast.