Practice Areas
Long Term Disability ERISA and Private Disability Insurance Claims
Social Security Disability (SSD)
Florida City and State Pension Disability Claims
Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits
Florida First Responders and Their Rights to Workers' Compensation Benefits
Cavey Law Blog 
Long Term Disability ERISA and Private Disability Insurance Claims
- Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend?
- Can the Long Term Disability Carrier Force You to Use A Social Security Disability Claims Service They Recommend?
- UNUM's 2008 Profits Come at the Expense of Long-Term Disability Policy Holder's Piece of Mind
- Shocking UNUM Reversal Rate of 41.7%
- Help! The Long Term Disability Adjsuter Wants to Take My Statement or Come To My House
- Protect Yourself from Surveillance By the Long Term Disability Carrier
- Has Hartford Targeted Your Long Term Disability Claim For Termination
- Cancer is Top Cause of UNUM's Disability Claims
- New York Insurance Comissioner Says UNUM is Complying with Claims Handling Agreement
- Must a Long Term Disability Carrier Give You Medical Reports They Rely on To Deny Your Claim?
Social Security Disability (SSD)
- Something for Nothing - Do You Really Need a Lawyer to Represent You In Your Social Security Claim
- Having a Fool for A Clinet and Hiring a lLawyer in Your Socia Security Disability Case
- Your Veteran's Disability Rating Can Help You Win Your Claim For Social Security Disability
- Immune System Disoders Listing Updated by Social Security
- Social Security Is To Give GREAT Weight to VA Disability Ratings
- Asksing for An On the Record Decision
- The VA Doctors's Duty to Respond to Medical Information in Your Social Security Case
- Social Security Benefits For " Wounded Warriors"
- Clogged Social Security System
Florida City and State Pension Disability Claims
Florida First Responders and Their Rights to Workers' Compensation Benefits
- Emma Murray Saves the Day for First Responders
- Dynamite Decision on Pre-Employment Physicals and First Responders
- Risks Factors Don' t Mattter Any More In Florida First Responder Claims
- New First Responder Peripheral Vascular Disease Decision Extends Presumption
General
- Cavey's Legal Dream Team - Utah Personal Injury Law Firm
- Cavey's Dream Team - Phoenix Husband and Wife Legal Team Mark and Alexis Breyer
- The Holidays and Divorce
- Shocking News - 140,000 Unexpected Requests for Social Security Hearings
- Back Log of Social Security Cases and Proposed Rules to Limit Evidence
- Real Life
FREE Books
Florida's First Responder Heart/Lung Benefits: What You Need to Know
Your Wage and Hour Rights -Information Your Employer Never Wanted You to Hear.
Your Rights to Social Security Disability Benefits - Information the Social Security Administration Rarely Tells Your About Your Claim.
Robbed of Your Peace of Mind? Important Information on Long Term Disability Insurance Policies, The Claims Process, and How to Win Your Long Term Disabality Benefits.
Latest News
- Have You Been A Victim Of UNUM or another LTD Carrier Denial?? How to Protect Yourself
- Social Security Disability Hearing Delays in Tampa Bay and Propsed Legislation to Speed Up Your Hearing
- Employer can reduce injured worker's pay
- Disability Cases Last Longer as Backlog Rises
- Study Shows Minimum Wage Not Enough to Live In Parts of Florida
- Starwatch consumer: Burger King pressures suppliers
- Florida Workers' Compensation Rates Reduced For 5th Consecutive Year
- Employers owed $42 Million
- Couple indicted in disability scam
- Insurance regulators release annual report on workers comp insurance, approve 18.4 percent rate reduction
Library
Cavey Barrett Blog
Cavey Barrett BlogLong Term Disability ERISA and Private Disability Insurance Claims
Long Term Disability Carriers Clog Up The Social Secuirty System
2.5 Million American apply for Social Security disability benefits every year and it takes, on average a whopping 288 days, to get a decision on because of the backlog. The reality is that in the Tampa/St. Petersburg area the delay is almost 2 years.What contributes to that delay? In an awesome article, the New York Times author, Mary Williams Walsch, exposed for the public what ERISA/LTD and Social Secuirty lawyers and their clients deal with every day. The Social Security Disability system is being clogged by long term diablility carriers, such as UNUM, Cigna, Liberty, who require any policy holder claiming long term disability benefits to apply for Social Security. And when a policy holder is denied, the long term disability carriers insist the policy holder appeal and appeal again!
The typical long term disability policy requires a policy holder to apply for Social Security Disability benefits. This improves the disability carrier's profit margin. If you refuse to apply, the long term disabiity carrier simply stops paying benefits until you apply or appeal. Sometimes, the long term disability carrier just reduces the long term disability payment by what you would have gotten in Social Security. This reduces the long term disability carrier's reserves and smaller reserves means bigger profits for the long carrier. So they pay less and can use their premium dollars for investment.
It gets worse. If you do get Social Security benefits, the long term disability wants thier money back from you lump sum retroactive Social Secuirty and reduce your monthly benefits! Then, many long term disability carriers have the gall to turn around after an award of Social Security benefits and tell their policy holder "They no longer qualify for LTD benefits.
Whistleblowers are claiming that since almost 18% of the long term disability applicants are ultimately denied Social Security, the long term disability carrier could screen those cases not likely to get Social security and not force their policy holder to apply and appeal.
Unloading unqualified Social Security applicants on the Social Security Administration's (SSA) doorstep is fraudulent and a waste of American tax dollars. Please read www.nytimes.com/2008/04/01/business/01disabled.
Read More about "Long Term Disability Carriers Clog Up The Social Secuirty System"
Labels:
Comments
There are no comments.
Post a comment
Post a Comment to "Long Term Disability Carriers Clog Up The Social Secuirty System"
To reply to this message, enter your reply in the box labeled "Message", enter your username and password, and hit "Post Message."
Contact Us Today - Free Consultation
Cavey & Barrett
821 16th Street North
St. Petersburg, FL 33734-7539
Phone: (727) 894-3188
Fax: (727) 821-2751
The Law Offices of
Cavey and Barrett
821 16th Street North
Post Office Box 7539
St. Petersburg, FL 33734
Workers' Compensation
727-894-3188
Long Term Disability
727-897-9053
Social Security Disability
727-897-9117
Fax: 727-821-2751
FAQs
Long Term Disability ERISA and Private Disability Insurance Claims
Social Security Disability (SSD)
- How is disability defined and how do I apply for the benefits?
- Should I wait to apply for disability before applying for benefits?
Florida City and State Pension Disability Claims
Your Rights to Florida Workers’ Compensation Benefits - Medical Care and Lost Wage Benefits
- Is it possible to obtain both the State workers’ compensation benefits and Social Security benefits?
- How is it determined under law whether I am an employee or an independent contractor for the purpose of workers’ compensation claims?