Oct 31, 2014

I have been awarded Social Security disability benefits. But the insurer of my disability policy has denied my claim. Can the insurer do that?

 

A: Yes. Unfortunately, this happens regularly. Qualifying for Social Security doesn't mean an insurer for a group or individual policy is required to pay your personal claim. Meeting Social Security standards for proving permanent disability is not easy. But the definition for "disability" insurers require you to satisfy is usually different from the definition of permanent disability Social Security Administration uses.