As outlined in their policies, LTD providers typically offset for your SSDI benefits. This usually means reducing the LTD benefit dollar-for-dollar by the amount of any SSDI benefits received. You don’t lose any income; it’s just that the same amount is now coming from two sources – your LTD benefit and your SSDI income.
True Help will guide you through the LTD offset process to help you protect your LTD income after you receive your SSDI benefits.
Here’s an example of how LTD offset works: You receive $3,000 per month in LTD benefits and are later awarded $1,000 per month in SSDI benefits. Your LTD benefit will be reduced to $2,000 per month, and you will receive $1,000 from SSDI. That’s a total of $3,000.