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Here's a case that highlights the insurance company's contradictory policies. On the one hand, they're doing their darndest to deny your claim while on the other hand they're paying for a lawyer to prove to Social Security that you're as disabled as could be.

Most LTD plans have a clause that says LTD payments from the insurer can be offset by Social Security disabilit benefits and they require you to apply for it if you're granted benefits. It's a good idea to know all about your policy. Does it have something like this in it? If it does, expect a similar battle.

Click here for more on the case and the opinion itself on this disability insurance and social security disability benefits conundrum .

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