How does Social Security Disability affect my LTD benefits?

by Brandon Operana on Sep. 17, 2020

Government Social Security Employment  Employee Rights Employment  Pension & Benefits 

Summary: Social Security benefits typically offset LTD benefits, causing a change in your benefit amount.

Your insurance company usually requires you to apply for Social Security Disability (SSD) benefits.  This is because in most LTD policies, there is an offset that occurs when you receive SSD benefits. Usually, your LTD benefit amount is reduced by the amount of your SSD benefit amount. Your LTD benefit amount may also be reduced by other Social Security Benefits you and your family receive, such as dependent and spousal benefits.  You may also be required to pay back all or a portion of your retroactive SSD benefits (back pay/past-due benefits).  

Legal Articles Additional Disclaimer is not a law firm and does not offer legal advice. Content posted on is the sole responsibility of the person from whom such content originated and is not reviewed or commented on by The application of law to any set of facts is a highly specialized skill, practiced by lawyers and often dependent on jurisdiction. Content on the site of a legal nature may or may not be accurate for a particular state or jurisdiction and may largely depend on specific circumstances surrounding individual cases, which may or may not be consistent with your circumstances or may no longer be up-to-date to the extent that laws have changed since posting. Legal articles therefore are for review as general research and for use in helping to gauge a lawyer's expertise on a matter. If you are seeking specific legal advice, recommends that you contact a lawyer to review your specific issues. See's full Terms of Use for more information.