Can I receive Long Term Disability benefits and Social Security Disability benefits at the same time?

by Lisa on September 28, 2011

The answer is yes.

Once you are approved for Social Security Disability benefits, your long term disability insurance provider will simply pay you the difference between your SSDI payment and your total LTD policy amount. The exact amount they can offset will depend on the language of your particular insurance policy and the amount you receive each month in Social Security Disability benefits.

If you are receiving long term disability insurance and are going to be applying for Social Security Disability benefits, it may be in your best interest to consult with a disability representative. Such an expert can help you understand exactly how your Social Security Disability benefits will affect your long term disability payments and whether or not your long term disability carrier can offset any of the back benefits that you are entitled to by the Social Security Administration.

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