Wednesday, November 16, 2011
Long Term Disability Insurance Benefits
These are benefits you may have obtained through your employer. It is basically a contract between you and the insurance company. You (or your employer) pay premiums, and you are entitled to benefits if you become "disabled" (the standards may not be the same as Social Security). If you want to know your rights, you need to go to the contract. It's provisions will almost always be included in an employee manual. The law regarding these benefits is governmed by a federal statute called ERISA. You need an experienced attorney to deal with these matters. We can give you a referral to such an attorney and assist him in providing information about your Social Security case. DO NOT believe that the insurance case worker is most concerned about you, and DO NOT accept a referral to one of their advocates for your Social Security case. The advocate may be more concerned about his relationship to the insurance company than about you.