A question we get all the time at Bonnici Law Group is: Can I get long term disability and social security disability at the same time? The answer is yes! Most policies actually require you to apply for social security disability while you’re applying or receiving long term disability benefits. The only thing to need to realize is that you won’t be able to collect 100% of each if long term disability and social security disability pay out. A lot of time policies for long term disability say that they will offset the amount the amount you receive from social security disability to your long-term disability. You have to take that into account when you’re doing your budgets and applying for these things.
Social security disability denies around 70% of people when they first apply, so it’s not always a guarantee that you need to get it. But make sure that you do apply during your long-term disability policy period because the insurance company may try to take an offset on the estimated amount rather than the exact amount. So yes, you definitely can collect both at the same time, but as always, it’s good to have an attorney to look over both applications to make sure everything is correct. Give us a call at (619) 259-5199 or click here for a FREE consultation! We’re more than happy to help you with your disability needs!