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Has your disability claim been wrongfully denied or terminated? Call us today for help!  (888) 321-8131

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OLF Ortiz Law Firm National Disability Attorneys

We appeal wrongful long term disability insurance and Social Security Disability denials.

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You are here: Home / Long Term Disability Frequently Asked Questions / Can I Get Long Term Disability & Unemployment?

Can I Get Long Term Disability & Unemployment?

I’m often asked by prospective clients whether they can obtain unemployment benefits and Long Term Disability (“LTD”) benefits at the same time. My answer is: “It depends on your insurance policy.”

I’ve looked around the web and been shocked by many other answers to this question.  Most say that it would be totally inconsistent for you to claim unemployment while applying for LTD benefits.  I understand the logic as it is often used in my Social Security disability claims.  The logic is this: In order to receive unemployment benefits, you must attest to the unemployment office that you are ready, willing, and able to work.  To obtain disability benefits, you must be unable to work.  At first glance, these concepts are completely inconsistent. You cannot tell one agency that you can work but are unable to find a job and tell another agency that you cannot work due to a disability.

However, the definition of disability is different in insurance policies than it is with the Social Security Administration.  I said, “It depends” above because you must carefully read the definition of disability under your policy.  Under most policies, the definition of disability (for the first two years of the policy) is the inability to perform the material duties of your own occupation (commonly referred to as “own occ” for your “own occupation”). This definition is critical.  Social Security generally defines disability as the inability to perform any occupation (commonly referred to as “any occ” for “any occupation”).  You may find additional information about this on the web when you search for “own occ vs. any occ”.

Why bring up this distinction? Because it relates to the original question.  You may be disabled from working at your own occupation, but able to perform other work – and yet unable to find other work.

Perhaps an example will help clarify things.  Let us assume Sue Smith is an orthopedic surgeon.  Dr. Smith performs surgeries all day every day.  However, Dr. Smith begins experiencing tremors in her hands that happen frequently throughout the day.  If she has an “own occ” policy, then she will likely be found disabled for disability benefits because she cannot perform surgeries with her tremors.  However, she may be capable of other types of work. With her medical training, although she cannot perform surgeries, she may be able to do an administrative job in a doctor’s office.  However, in a bad economy, she may have difficulty finding such a job. No one will hire her, so she files for unemployment. She is eligible for unemployment because she is ready, willing and able to perform work (other than as a surgeon); she just is unable to find work.

In sum, we have found circumstances where a claimant is eligible for both long term disability and unemployment.   In the above situation, the doctor is: (1) disabled from her own occupation and therefore eligible for disability; and (2) able to perform other work, but unable to find work, and therefore eligible for unemployment.

The lesson learned here is that you cannot assume that the general rule will apply to all situations and that you must carefully read the disability insurance policy.  Because these issues can be complicated, you should consider hiring an experienced disability attorney to assist you in your claim.  Mr. Ortiz has experience in handling long term disability claims. He can be reached at (866) 853-7210.

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One of my best experiences. Like other reviewers I was at a loss with how to proceed with an STD disability claim that had been denied. My wife's claim had been denied mainly due to her medical provider submitting improper documentation and unwilling to fix it. Right from the start Dawn Keller at Mr. Ortiz's office returned my call and took the time to listen to our situation. We set an appointment to meet with Mr. Ortiz. Dawn emailed me questions and asked me to submit some reports and documentation so Mr. Ortiz could review our information and be prepared for the appointment. Dawn's professionalism was quite encouraging. Once at the appointment we met Nick Ortiz. Nick is a personable fella that obviously had reviewed the information before our arrival. He afforded us time to explain our situation and he provided great council. We never felt rushed, we felt welcome and left feeling much better than we had in weeks. We are already putting Nick's recommendations to work and hoping that we will not require further legal services, but if we do I can assure you we won't look elsewhere. Do your self a favor if you have disability legal needs and call Mr. Ortiz office, Nick is a straight shooter you'll find to be a valued asset.

Allaire D.

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