Let me also share some additional insight from one attorney (an LTD atty that does not do SS disability;I asked him in an effort to get an unbiased opinion). I talked to him late today. I asked him (I will call him Jim) his thoughts on pros and cons to using the no cost attorney offered to me by the LTD insurance carrier versus me hiring my own attorney. Jim had pros, and the cons he shared were: you will have to sign multiple disclosures; you will not have much control; the atty, although he should be motivated to get benefits so they get paid, may do half *** job, odds are he will likely not be as forthright, nor as communicative with you as a separate atty firm would be. Jim said if you are depending alot on getting ss and medicare, it is best to hire your own atty.

Jim continued, they will give the LTD insurance carrier everything they develop, whereas if you are in total control, you might opt not to give the LTD insurance carrier everything.

Any personal actual experience from you members is also most appreciated! tx