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Why Doesn’t My Long Term Disability Plan Insurer Pay My Claim When The Social Security Administration Found Me Disabled?

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Many claimants are confused when they receive a long term disability claim denial after the Social Security Administration determined that they are disabled.  Although Social Security determinations are persuasive, an ERISA plan administrator is not legally bound by an award of Social Security Disability benefits.  Social Security Disability claims are governed by different rules and are decided by independent decision makers.  Often, an insurance company interested in retaining profits is the same entity also deciding whether you are entitled to benefits.  It’s important to hire an attorney familiar with the ERISA claims process to help you win your claim.

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