Social Security and Long Term Disability Catch-22


Approved for social security, but denied on your long-term disability claim?  Welcome to the catch-22.

Catch-22 is the title of a novel written by Joseph Heller in 1961.  It refers to a paradoxical rule which prevents any successful resolution.  Insurance companies sometimes take this approach to social security disability when it comes to reviewing your eligibility for disability insurance benefits.  If a disability insurance claimant is denied social security disability, a disability insurance company will often cite a social security denial in its denial of disability insurance benefits.  On the other hand, if a disability insurance claimant is approved for social security disability insurance benefits, the disability insurance company denying a disability insurance claim will generally explain why the social security disability decision is irrelevant to its determination.  Catch-22. The truth lies somewhere in between.  Social Security has different rules than an insurance policy, but a determination that you are disabled from any occupation by an administrative law judge should be reviewed and addressed by a disability insurance company, and not dismissed by the insurance company with boilerplate language.