Long Term Disability

[DavidBranson]

What is the name of your state (only U.S. law)? MA

Hello,

I am currently on short term disability. I may have to go onto long term disability. I elected long term disability coverage when I started my job and pay a small premium each month.

Question: My Doctor told my long term disability comes out of social security benefits. Can someone tell me how this works? I am a good 25 years away from collecting traditional social security.

Thanks

 

[cbg]

Your doctor is mistaken. Assuming that you are talking about a long term disability policy offered by your employer.

 

[NLW]

If you are permanently unable to work due to a disability or medical condition, you can apply for social security disability benefits. These are different that long term disability benefits provided through a private insurance policy. I wonder if your doctor was thinking of these kinds of benefits when he spoke to you?

 

[cbg]

It also occurred to me after I responded the first time, that the doctor might have been thinking of offsets?

 

[DavidBranson]

Follow up to reply

Off sets as in other options in addition to my insurance?

 

[cbg]

If the day comes when you are collecting both SSDI insurance AND from your employer's group policy, the group policy most likely will be offset by the SSDI.