Here at Lucens Group, our mission is to provide you with the help and support you need to make an informed decision about taking a lump sum payment. We offer several resources to guide you as you make your decision.
One very important step in your decision process should be consulting with the appropriate professionals who can help you understand the legal, tax and/or financial implications of taking a lump sum payment. In some cases, your disability insurance provider may offer reimbursements of legal and financial fees along with other additional benefits, such as career counseling after you've settled your claim. You can find out more about these potential benefits available to you once you login and create your account.
Not sure which professionals to talk to or maybe you are interested in exploring options to return to work? We have compiled the following resources to help you locate the right legal, tax and/or financial assistance as you consider your settlement offer and to explore available resources to help you return to work.
Legal, Tax, and Financial Resources*
The various bar associations make referrals to lawyers or other resources that specialize in the area of law related to your specific situation. All attorneys listed are licensed to practice law and are in good standing in their respective States.
All participating CPA firms have distinguished themselves by becoming a member of one of the AICPA's firm-based centers.
All NAPFA-Registered Financial Advisors and Provisional Members have a broad-based advanced education in financial planning and have proven a level of competency. All firms provide comprehensive financial planning services and advisors should be comfortable with most general planning issues.
Return to Work Resources*
Social Security's Ticket to Work program supports career development for Social Security disability beneficiaries age 18 through 64 who want to work. The Ticket program is free and voluntary. The Ticket program helps people with disabilities progress toward financial independence.
The Council for Disability Awareness is a nonprofit organization dedicated to helping wage earners, so they can keep the paychecks coming even if an illness or injury forces them to stop working.
Job Accommodation Network (JAN) provides free consulting services for individuals with physical or intellectual limitations that affect employment. Services include one-on-one consultation about job accommodation ideas, requesting and negotiating accommodations and rights under the Americans with Disabilities Act (ADA) and related laws. Although JAN does not help individuals find employment, JAN does provide information for job seekers.
*The resources listed herein are independent of Lucens Group and we are not responsible for their content or practices.