Subject to Complete Defeasance has a great article about how Long Term Disability (LTD) insurance companies make you apply for Social Security benefits, including this snippet of a conversation with an insurance company:
Insurance Company [agent]: “Have you applied for Social Security disability benefits?”
You: “No.”
ICJ: “When do you plan on applying?”
You: “I don’t.”
ICJ: “Why not?”
You: “Well, I [...]
