Call For A FREE Case Evaluation 510.992.6130

Do I Have To Apply for Social Security Disability Insurance Benefits If I Have Long-Term Disability Benefits?

Posted By:

Most ERISA long-term disability benefit plans require you to apply for Social Security Disability Insurance benefits.  This is because they offset, or reduce, the amount of long-term disability benefits payable to you by the amount you are awarded by the Social Security Administration.  Even if you do not apply, the insurance carrier may take an estimated offset and reduce your long-term disability benefit anyway.  Most insurance companies also reduce your long-term disability benefit by the amount your dependent children are entitled to receive from the Social Security Administration as a result of your disability.

Get The Help You Need Today