Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

Beware Of The Double Offset

Tuesday, January 11th, 2011

Claimants with long term disability claims who have multiple policies of insurance need to be careful, as the potential exists for both policies to claim an offset for the full amount of benefits received from Social Security, so says a Federal Court in California.

Many group insurance policies permit an insurer to deduct, or offset, from their obligations to claimants, for the full amount of a claimant’s receipt of Social Security benefits. However, where a claimant has two group policies, which each permit the offset or deduction, the open question was whether both policies could take the full offset, or whether some split would be appropriate, thus preventing a claimant from reaping less on a net basis due to the receipt of Social Security benefits.

In Renfro v. UNUM Life, the Court for the Northern District of California answered this question, by permitting the offset in benefits to be taken by both insurers. The Court rejected the plaintiff’s claim that each policy should offset one half of the Social Security benefit. Thus, plaintiff was left worse off following the receipt of Social Security benefits than had the claim been denied.

Categories

Archives

Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.

CLOSE

*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

CLOSE

This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook

FILING A DISABILITY INSURANCE CLAIM

Secrets the Disability Insurance Companies Don't Want You to know! Download Now

HELPING THE DISABLED NATIONWIDE

No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

CHAT
NOW