There have many news reports concerning the increased filing of Social Security Disability claims as a result of the economic downturn. This reporting, though, has not addressed any effect that the economic downturn has had on long term disability claim filings.
The Council for Disability Awareness undertook an extensive data analysis concerning long term disability claims review for the years 2007 - 2011 and made the following findings:
So, all in all, there has been little in the way of changes in the numbers of long term disability claims made and paid. This, of course, is belied by the facts experienced by long term disability attorneys who continue to see a marked increase in claim denials which require litigation. The lesson learned is that once your claim hits a cycle of denial, it is harder to make the long term disability insurers change their minds and approve a denied claim.
For these reasons, more than ever, proactive hiring of legal counsel at the time of application is always recommended so as to keep your claim out of such a detrimental cycle of denial.
Scott Elkind is an attorney in Silver Spring, MD whose practice focuses on disability issues. He can reached at 301-495-6665.