Q: Can my insurance company make me sign up for SS disability.
A:
No, your insurance company cannot force you to apply for Social Security Disability Insurance (SSDI). However, in certain situations, they may strongly encourage or incentivize you to do so. Here are a few reasons why:
1. Long-term disability (LTD) policies often include a clause stating that SSDI benefits will offset the benefits provided by the insurance company. This means that if you qualify for SSDI, the insurance company can reduce their payment to you by the amount you receive from SSDI.
2. Insurance companies may require you to apply for SSDI as a condition of continuing to receive LTD benefits. This is because SSDI is considered a form of income replacement, and the insurance company wants to ensure that you are pursuing all available sources of income.
3. Some policies may include a provision that allows the insurance company to assist you with the SSDI application process or even apply on your behalf.
It's important to carefully review your insurance policy to understand your rights and obligations regarding SSDI. If you have concerns about your insurer's requirements, consider speaking with a legal professional specializing in disability law to discuss your options and protect your rights.
Tim Akpinar agrees with this answer
A: Try to arrange a free initial consult with an attorney who handles disability cases - to review your policy, its offsets, and other factors. Good luck
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