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Does the Disability Insurance company Have to Approve My Disability Claim If I am Approved for Social Security

  • Published: 2010-09-20 (Revised/Updated 2016-03-20) : Author: Disability Attorneys Dell & Schaefer : Contact:
  • Synopsis: If I am approved for Social Security does that mean the disability insurance company must approve my disability claim.

Just because the Social Security Administration has approved you for benefits under their standards, it's not a guarantee that you are going to get your long-term disability situation.

There are different standards; there are different ways in which they evaluate a claim.

Obviously, we've discussed on recent episodes how courts are looking more and more into making sure insurance companies are reviewing their files, Social Security claim files; however, it's not carte blanche meaning you're going to get your benefits.

Social Security may have, for instance, approved you for a mental health condition, but your policy may only have a two-year limitation so they could cut you off after that point.

Or, your policy through your employer or something you purchased on your own, their might be an exclusion to certain conditions, or you might have a pre-existing condition which wouldn't make you eligible under your group disability policies.

Although Social Security can be a strong piece of evidence to the total picture of your disability and your claim, it doesn't mean that just in receiving those benefits that you're going to be approved for your long-term disability.

If you have any questions regarding this situation, please contact us and we'll see if there's anything we can do to help you out.

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