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Can you apply for long term disability and social security disability at the same time ?Yes, and in fact it may be a requirement of your ltd, or long term disability, policy. Why would a long term disability insurance company make this requirement of you? The answer is simple. Money.The long term disability carrier is simply hoping to "get its clutches" on whatever disability backpayment you are entitled to receive from social security disability or ssi disability. Is this fair? Quick answer: no. And here's why. An ltd, or long term disability, policy is something you pay for. Therefore, if you become disabled and unable to work, you should be entitled to receive your long term disability benefits because you paid for them without having to turn over your ssd or ssi backpayment to the carrier for the purpose of allowing them to recover their costs. Unfortunately, this is the type of provision that long term disability companies have been allowed to insert into their contracts. Fortunately, however, a person may seek the assistance of a long term disability lawyer at any point in the process: while the Ltd claim is being decided, after a claim has been denied, or even before a person has been denied for long term disability benefits. 
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