Mikemmlj Posted August 16, 2014 Share Posted August 16, 2014 Can I collect SSDI and my long term disability insurance??? Or does the LTD insurance count as income?? Link to comment Share on other sites More sharing options...
0 HadIt.com Elder Philip Rogers Posted August 16, 2014 HadIt.com Elder Share Posted August 16, 2014 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. pr Link to comment Share on other sites More sharing options...
0 HadIt.com Elder Pete53 Posted August 16, 2014 HadIt.com Elder Share Posted August 16, 2014 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. Link to comment Share on other sites More sharing options...
0 Mikemmlj Posted August 16, 2014 Author Share Posted August 16, 2014 For mental health my plan pays 800/month for two years Link to comment Share on other sites More sharing options...
0 Navy04 Posted August 16, 2014 Share Posted August 16, 2014 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 SMC S SMC K OEF/OIF VET 100% VA P&T, Post 911 Caregiver, SSDI Link to comment Share on other sites More sharing options...
0 Rick A Posted August 20, 2014 Share Posted August 20, 2014 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 Link to comment Share on other sites More sharing options...
0 ctbenja1015 Posted August 31, 2014 Share Posted August 31, 2014 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 Link to comment Share on other sites More sharing options...
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Mikemmlj
Can I collect SSDI and my long term disability insurance??? Or does the LTD insurance count as income??
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