Just wondering if anyone has been approached by a third party Social Security Disability Advocate along the way.. I got mail from GENEX to help me apply for it and they are at my service and will be paid for by my LTD, Unum.
Am I better off trying to navigate SSD myself? Also does it mean the advocates are eating into what I might get from my LTD $$s? I am leery because the WC experience has me suspicious of any benefit providers...

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Ok ok. I am finally understanding that LTD has nothing to do with WC. If I got this right, someone give a sister a GOLD STAR ok:
LTD is a benefit that most often is paid for through some benefit plan at work.. It helps you out if you become disabled either randomly or from a work related injury.They provide income that you are not receiving normally- however they have limits, and in some cases, won't provide the same dollar amount income as one had before the disability.
How'd I do?