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Ssdi And Long Term Disability Insurance

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  • HadIt.com Elder

It'll depend on your policy. It isn't considered "earned income" and should have no effect on other disability payments. Most long term policies require that you apply for SSDI, within a couple of yrs (usually 2yrs) and they will even help you get SSDI and once you have SSDI, they reduce the long term payment or completely cancel it. Check your policy to be sure.


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  • HadIt.com Elder

Many Insurance guarantee an income that is more than you will get from Social Security. After a couple of years they will require to a[[l;y for SSD and if you get it they will only pay the difference.

Good Luck

PS If you get the SSD they don't make you pay anything back

Veterans deserve real choice for their health care.

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Great Advice Philip!!!

100% PTSD

100% Back

60% Bladder Issues

50% Migraines 
30% Crohn's Disease

30% R Shoulder

20% Radiculopathy, Left lower    10% Radiculopathy, Right lower 
10% L Knee  10% R Knee Surgery 2005&2007
10% Asthma
10% Tinnitus
10% Damage of Cranial Nerve II

10% Scars



OEF/OIF VET     100% VA P&T, Post 911 Caregiver, SSDI



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When I applied to SSDI I reported the income I was getting from my LTD insurance. It wasn't a hinderance to getting SSDI approved. However, some LTD Insurance Companies consider SSDI an "offset" to their coverage. What this meant to me, is once I was approved and recieved a retro check from SSDI, I had to pay the entire amount back to the LTD carrier.

Veteran of Operation Iraqi Freedom 2004

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If you pay for LTD with pre-tax money it will be taxable income, if you pay after taxes are taken out it is considered non taxable. My wife has been on LTD since 6/2013, was turned down on first application and is appealing the decision now.

100% Service Connected P&T, SSDI

70% PTSD

50% Sleep Apnea

10% Left Shoulder Sprain

10% Right Shoulder Sprain

10% Bilateral Plantar Fasciitis

10% Cervical Arthritis

20% Upper-left Radiculopathy

20% Upper-Right Radiculopathy

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