Offset Analysis

People who have suffered a disability may be eligible for benefits from multiple sources. They may have one or more disability insurance policies. They may also be eligible for Social Security Disability benefits from the federal government. In some cases, they may be able to obtain workers’ compensation benefits if the disability was the result of a workplace accident.

With each potential source of benefits that is added, so is an additional layer of complexity. Disabled people cannot simply pile all benefits on top of each other. That is not how it works. Insurance companies will push the disabled person to obtain benefits from other sources so they do not have to pay as much.

Social Security Offsets in Disability Insurance Policies

Some individual disability insurance policies contain provisions allowing the insurance company to force the policyholder to file a Social Security Disability claim if the policyholder qualifies. There is a waiting period for Social Security Disability benefits. When that waiting period elapses, the insurance company may begin reducing the amount of disability benefits by the amount of expected Social Security Disability benefits. This is referred to as offsetting.

Other Offsets

While the Social Security Disability offset is perhaps the most common, other offsets may need to be addressed. When the lawyers at DarrasLaw, America’s top disability firm, conduct your free policy analysis, all potential offsets will be reviewed. We want to make certain your benefits are maximized. With more than 100 years of experience on our side, we understand how insurance disability benefits and other benefits can and cannot overlap.

Free Consultations — Offset Analysis Attorneys

Call us at 800-458-4577 or send us an email. Our attorneys offer free consultations that include an offset analysis of your individual disability insurance policy.

Reason #1

Why Choose DarrasLaw?

We are the most awarded disability law firm in the nation. Insurance companies will not pay full value of a case if they don’t respect the law firm representing you.

Our Promise To Our Clients:

  • FREE: Consultations and Insurance Case Evaluations Are Always Free
  • UNDERSTANDING: We understand how you feel. Our clients are often at the very bottom of their life, feeling emotionally, physically, and financially exhausted.
  • PASSIONATE PEOPLE: Our expert Attorneys and Dedicated Staff Love The Work We Do. We are Compassionate, Caring, and Results Driven.
  • UNPARALLELED RESOURCES: We will not be bullied or outspent by billion-dollar insurance companies or their army of lawyers. 
  • RESPECTED: We have fought and won the respect of every disability and Long-term care insurance carrier for our policyholders.
  • RESULTS: Frank Darras and his firms have recovered nearly a $1 billion dollars in wrongfully denied insurance benefits to date, and we put that proven track record to work for you and your family.

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

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