Long-term Disability Insurance Can Cover Your Legal Fees
Experienced disability lawyers explain how it works
You may be concerned about the cost of retaining an attorney to help you with both your long-term disability (LTD) claim with a private insurer and Social Security. However, the offset built into most LTD policies results in your insurance company paying your legal fees for your Social Security attorney. In addition, if your private LTD claim goes to court, you can seek payment of your attorney's fees from your insurer. At David Allen & Associates, we handle both types of disability cases and you have a good chance of getting coverage for your legal fees when we help you.
Social Security Disability attorney's fees are regulated
When you file a long-term disability claim, you are typically also required to file for SSD benefits. Federal law states that our fee for giving you legal assistance with an SSD claim can be no more than 25 percent of the past-due benefits that we help you collect. The Social Security Administration handles this payment as a reduction of your benefit award and sends the fee directly to us.
Long-term disability policies may cover reductions in your other benefits
Many long-term disability policies will cover reductions that are made to your benefits from other sources. The 25 percent reduction of your SSD benefits qualifies for coverage, so your LTD policy will pay you that amount. You end up with SSD benefits and LTD benefits, and your legal fees have been paid.
You do not have to take an attorney recommendation by your LTD provider — you have a choice
We encourage you to interview attorneys and select local counsel to appear with you. Your LTD will pay any attorney you choose to represent you. When a single firm represents you for both claims, you pay less for costs such as medical records, because only one set must be ordered rather than two.
Work with disability attorneys who can handle SSD and LTD claims
Trust the comprehensive knowledge of disability law at David Allen & Associates. Contact us online or call us at 1-877-876-4800 to make an appointment for a free consultation.
You do not pay attorney's fees unless we successfully help you collect disability benefits.