Auxiliary benefits

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I regularly receive questions about auxiliary Social Security disability benefits.   Often these questions are from divorced persons who are struggling with the cost of raising a child, while the disabled, non-custodial parent has not been cooperative with regard to auxiliary benefits.

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I regularly receive questions from unhappy Social Security claimants who are facing the prospect of having to send their lump sum Social Security disability checks to their LTD carriers.   Many LTD policies, especially group policies, include provisions that offset LTD payments by any amount received by Social Security.  In other words, if the LTD benefit is $1,800 per month and Social Security awards $1,500 per month, the LTD carrier's obligation becomes only $300 per month once SSDI is awarded.

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I get a lot of questions from mothers who are caring for the children of fathers who are out of the picture.  Susan's situation is a fairly common one so I will answer it here:

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I am disabled due to Avascular necrosis, fibramyalgia, and arthritis, I have undergone 7 surguries in past 4 years and have several more to go. I am an RN, so I made good money before moving to part time work then to being unable to work. My husband makes between 65,000-70,000 a year, we have 2 children ages 2 and 4, will I be able to collect benefits for them?

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