Have you ever wondered about how your long term disability (LTD) claim impacts your Social Security disability? How do offsets work, and why will your LTD carrier demand that you turn over your Social Security lump sum payment?
In this video I provide an overview of the often complicated and sometimes irrational interplay between Social Security disability and long term disability. You’ll learn that LTD companies often define the term “disability” differently than Social Security and you’ll learn about employer provided LTD coverage vs. private LTD policies. Finally you’ll learn why it usually makes sense to pursue Social Security disability even if your LTD policy does provide an offset.
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Jonathan Ginsberg
Social Security Disability Attorney
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