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Disability Insurance

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What is the name of your state? California
I was just approved for Social Security Disability and am receiving a retroactive payment from the time I became disabled (after the 6 month waiting period). My employer has been covering my LTD in the meantime. Apparently, my employer wants to receive part of my SSA payment when I receive it, as the amount is retroactive. Essentially, the want the entire retoractive payment. Can they do this?:confused:


Senior Member
If your LTD benefit requires integration of LTD benefits with social security disability if the claimant because eligible for that at some point, then yes they can. Some LTD benefits include this requirement, some don't.

You need to get hold of a copy of your LTD policy and see what it says on this issue.

If integration is required, your LTD benefit will be reduced so that between LTD and SS, you will be receiving the income benefit stated in your policy - typically 60% of your pre-disability monthly income.

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