Long Term Disability with Social Security Disability

Social Security Disability and Long Term Disability are two separate programs.

Ask a Disability Attorney: How does Social Security Disability affect Long Term Disability Benefits?

Age 60, Maintenance

Many employers offer short term and long term disability programs for employees who find themselves unable to work due to qualifying medical conditions. Application for these programs is usually done through the human resources department at your work or through the insurance carrier.

Once you’ve applied for short term disability, you’re usually covered for anywhere from 3 to 6 months at which point the short term disability insurance carrier will require you to apply for long term disability.

Social Security DIsability and Long Term Disability
Once you’ve applied for short term disability, you’re usually covered for anywhere from 3 to 6 months at which point the short term disability insurance carrier will require you to apply for long term disability.

One nasty little thing to watch out for when you’re on or applying for long term disability and applying for Social Security Disability is the subrogation clause. In very basic terms, a subrogation clause requires a recipient of long term disability payments to repay the long term carrier for benefits received if that person is ultimately approved for Social Security Disability. The terms as to how much must be repaid and over what time period may vary between different insurance carriers. So if you’re on long term disability and you get approved for Social Security Disability, we’d recommend that you check with your long term disability carrier before you go out and spend a significant portion of your Social Security Disability payment.

To sum it up, you can apply for Social Security Disability benefits at any time whether you’re on short term or long term disability. If you do apply, make sure you watch out for subrogation clauses which may require you to pay money back to your long term disability carrier. If you have questions about your long term disability policy or whether you’re required to apply, check with your carrier.

If you are required to apply for Social Security Disability, the experienced staff at Alliance Disability, along with our knowledgeable Social Security Disability attorneys, can help you apply and take the hassle out of your hands. We’ve helped thousands through the process and can offer our knowledge and experience to help you get approved.