can one have SSDI and LT disability income insurance together and not have to give either up when disabled?

Answer 1

When one is approved for SSDI, a review is done to determine what other monies are being collected by the claimant with regards to the disability. If the person is collecting a monthly benefit from a Workman's Comp./Long Term Disability, they figure that in to the monthly benefit that SSDI would pay out - and deduct a certain portion from your monthly SSDI payment.

Answer 2

1

Answer 3

I have SSDI and a long term disability insurance policy I got at work. I collect from both, but the way that worked was the long term disability company required that I apply for social security, and if approved, they docked my benefit by that amount. However, any cost of living increases I could keep. SSDI is not need based like SSI is, it is based entirely on your work record.

Answer 4

What Trishy said. The only other disability payment that I know of that isn't considered and can be added on regardless is veterans disability compensation because it is compensation for losses, not income.