What is the name of your state (only U.S. law)? CA
I have been on STD from my company and plan to go on LTD in March. The company group policy I have is with Guardian Insurance and my premiums are paid after tax. I will be 62 in April and was online yesterday filing for straight Social Security early retirement at 62. I don't know whether to answer y or n to the question about sickness in the past 14 months or ultimate death. Saying yes would trigger me into SSDI. I do not know if my policies have offsets for SSDI and none for SS, or both. Anyone been through this before. My doctor states I would qualify for disability no problem. I do not plan to work any longer. How can I get the best benefit?
I have been on STD from my company and plan to go on LTD in March. The company group policy I have is with Guardian Insurance and my premiums are paid after tax. I will be 62 in April and was online yesterday filing for straight Social Security early retirement at 62. I don't know whether to answer y or n to the question about sickness in the past 14 months or ultimate death. Saying yes would trigger me into SSDI. I do not know if my policies have offsets for SSDI and none for SS, or both. Anyone been through this before. My doctor states I would qualify for disability no problem. I do not plan to work any longer. How can I get the best benefit?