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I had an incredibly lovely conversation on the airplane on my way home, with a woman, similar in age to me, who had experienced a dramatic healthcare crisis with her husband. She described to me their new situation… before I get into it, let me just say, I have heard this story before, so listen to it carefully and remember it.
Once you get approved by SSA, they will pay your LTD RETROACTIVELY in a lump sum payment and then begin your monthly disability payment, at which time the insurance company has met its contractual agreement with you. It is to reimburse the insurance company for keeping your nose above water and filing your claim and battling SSA on your behalf, while making sure you had money to pay your bills. PLEASE PLEASE PLEASE understand this concept and if you get a honker of a check from SSA in your disability journey, sit on it until you hear from the insurance company. What happens most likely is, the SSA cuts the check and sends it to you, once your approved. It seems like a simple solution would be for the Social Security Administration to include in the letter to you, a general statement, “If you have been receiving long term disability payments from an insurance policy, do not cash this check until you contact your insurance company!” But alas, that would be sane and helpful! Folks often will use the money to pay off a bunch of bills that have accrued during the illness.
With that in mind it would appear there may be different types of LTD insurance plans, like many other types of insurance. So the upshot is, read your policy, talk to your insurance company, talk to your company’s benefits coordinators. Disability income insurance that is provided by an employer is almost always integrated with Social Security, and generally speaking, one cannot double dip. Disability income insurance that is paid for with personal dollars will pay income tax-free benefits, and may, OR may NOT, be integrated with Social Security. Self-kicking when you need the money the most can be avoided by doing business with an experienced and knowledgeable insurance agent that specializes in disability income insurance, and choosing the right kind of coverage. Everyone asks me how much DI costs, and for most occupations, it is costs less than 3% of gross income in order to provide full coverage that will replace almost all of after-tax income during a disability. After my husband was diagnosed with multiple myeloma, he used all paid time off available; then he started on short term disability. The general rule of thumb is that SSA will deny at first application and then will accept in the appeal process. I am not an expert and I would welcome anyone’s comments about this with supporting links to help us all understand it better.


When you go on LTD through an employer or private insurance program it is intended to give you immediate income for the duration of your disability OR until you are approved for LTD from the SSA. The insurance company has lawyers and their job is to process your Long Term Disability application to the Social Security Administration, which ALWAYS, 100%, turns down your first request (that the lawyers have made on your behalf). Let me try to explain and this is where I would really appreciate someone’s assistance to better address it.
When they are successful and you get what the government program has promised you, you are to give the money back to the insurance company that supported you through this process! You have been paying for the luxury of having financial support on DAY 1 of your disability.
Nobody from the lawyers or the insurance company calls you to tell you to expect the check. Moreover, insurance paid for by an employer is almost always deducted from business income taxes, making the benefits taxable to the beneficiary. Social Insurance Substitute, a benefit paid when Social Security does not pay, often with a dollar for dollar offset when Social Security does pay. After that, disability means the inability to perform ANY other occupation, such as sweeping the floor, or answering the phone.
My husband is wondering if MM patients are granted SS disability status pretty readily – or after a fight? Disability insurance was originally designed to tide you over during this process and provide the lawyers to do the fight for it.
SSA will not give you one dime during the first 6 months and usually much longer before you see anything from them. The insurance company probably doesn’t get notified or know about it for weeks after you have already received the check. This is where a professional insurance agent can make a difference – they can and should help you purchase the policy that best fits your needs, and explain the differences between various policy provisions. This benefit is paid when the definition of disability is met, after an elimination period.
A policy can be purchased with all base benefit, or maximum integration, or somewhere in between. Eventually he will get approved and it will be retroactive so apply quickly to begin that clock.


Then he was approved for LTD by the Social Security Administration (SSA) and received a $14,000 check paying for his disability, retroactively, starting from the date of his disability.
If, and when, SSA agrees that you are permanently disabled they pay you IN FULL from the date of your disability. Should SSA continue to deny your disability claim, the insurance company looses and pays you indefinitely or whatever the terms of your insurance are.
SSA doesn’t pay directly to the insurance company because YOU are the claimant, NOT THE LAWYERS OR THE INSURANCE COMPANY. This benefit will be paid until the end of the policy benefit period, or until the insured is no longer disabled, REGARDLESS of what Uncle Sugar pays. Those of us who are honest get pummeled with regulations, laws, policies put in place specifically because of those who do act in a criminal way.
You could fall off a ladder cleaning your gutters, or be in a car accident, or hurt yourself sky diving and you would be covered if you were prevented from working. Also in the event that SSA NEVER approves your claim, your LTD insurance will continue to cover you. When you are approved by SSA, and you receive a lump sum payment, the insurance company has done what it promised and managed the whole process for you, and trust me, it is a fair deal and you have not had to battle SSA, while having zero income and being ill or injured. SSA pays the maximum and the LTD pays the difference because he was in a high salary bracket the LTD guaranteed a percentage of his income which is more than the maximum that SSA allows. Other than an ER visit because of complications with Jeff’s pneumonia, we had a great time! I hope it gets sorted out quickly for you guys and that your hubby has a good outcome from Little Rock!
We starting talking about the financial hit an illness or disability takes on a family who is prepared for our loved ones to die, but never prepared for them to become seriously ill and unable to work.



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14.10.2015 admin



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