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 [...]
Filed under Auxiliary benefits, Eligibility Issues, LTD issues by 
Social Security disability cases often interface with workers’ compensation and short term or long term disability cases. I recently received a question from a lady named Helena, who asks the following: I have been working in the medical field for over 13 years and more. I am on short term disability. Can I apply for [...]
Earlier this week, the New York Times published an enlightening article about the practice of Long Term Disability (LTD) carriers requiring LTD beneficiaries to apply for Social Security disability. This practice is commonplace and the reason for it is simple economics. Most employer paid LTD policies provide that (1) any SSDI benefits received will offset [...]
Filed under LTD issues, Starting the disability process by
This blog post is a little off topic but I have included it because it serves as a warning to SSDI claimants who are also collecting long term disability benefits. Thanks to Mike the gentlemen who wrote me to describe a problem he is having with his LTD carrier. Mike apparently had long term disability [...]
Filed under LTD issues, Lump Sum Awards by
