Social Security Disability Lawyer in St Louis Discusses Long-Term Disability Denials

social security disability lawyer in st louis signing legal paperworkThose who can no longer work due to a disabling condition may have options. Most workers are covered by Social Security and some are covered under a long term disability (LTD) plan. A Social Security disability lawyer in St Louis can explain that there are both similarities and differences between the two.


The definition of disability, as specifically defined, must be met by a claimant who applies for benefits under either Social Security or a LTD plan. A LTD plan is not a government program. Unlike Social Security disability, long term disability (LTD) is a private insurance plan that may alternately be provided by one’s employer or fully funded by the employee.


Although denial of benefits is common under both Social Security and LTDs, a disability lawyer understands that Social Security employees tend to be impartial in determining claims. The determination of benefits payable under a LTD policy is made by the company itself, which has a vested interest in the outcome; the fewer claims an insurance company pays out on, the more profitable it is.

Other Considerations

Most LTD policies require a claimant to file a Social Security disability claim as a prerequisite or in conjunction with a LTD claim. It may be possible to find an attorney to handle both claims if the initial applications are denied.

Contact a Social Security Disability Lawyer in St Louis for Legal Advice

Denials of LTD claims are quite common but are not necessarily the end of the road. To explore your potential options, call a Social Security disability lawyer in St Louis like David M. Hicks at (314) 812-4885.