Why Your Workers' Comp Settlement May Kill Your Long-Term Disability Claim
Many clients face denials after a lump sum payout. Timing and overlapping definitions often trigger this issue.
Why Your Workers' Comp Settlement May Kill Your Long-Term Disability Claim Is a Coordination Issue
Why Your Workers' Comp Settlement May Kill Your Long-Term Disability Claim is a benefits conflict. These cases involve two policies sharing one injury. One payout can block the other.
How Offset Clauses Create Conflicts
Studies indicate carriers use offset clauses aggressively. They reduce disability payments by your comp award. Research shows this leaves little or no monthly benefit. Often, clients lose coverage after settling.
Simple Takeaway
Settle comp only after reviewing disability terms.
Common Questions
Q: What does coordination of benefits mean here? It means two insurers compare payouts so total benefits do not exceed your actual lost wages and medical costs.
Q: Can I still qualify if my settlement is small? Yes, if offset language allows partial disability pay after comp. Check your policy wording.
