LTD and Social Security Disability

Many of you applying for Social Security Disability may also be applying for or getting Long Term Disability benefits from an insurance company or employer. One thing you may already know is that the insurance company pays less if you get SSDI. Most LTD policies require that you apply for Social Security Disability Benefits. They may even recommend a representative to help with your Social Security claim. My thoughts on using the insurance companies recommended representative can be found on my other blog at my Ultimate Social Security Disability Guide web site. One issue which you might want to keep in mind is that the LTD policy usually changes the definition of disability after 2 years so many people are denied after getting these benefits for two years. Many insurance companies also only pay for a psychiatric disability for two years. Check your policy and read it carefully. Social Security Disability and Long Term Disability claims when being pursued at the same time can have many issues to deal with so make sure to consult with a lawyer if you have both.