Understanding SSDI and Private LTD Benefits

Key points to consider:

• SSDI is a federal program that pays disability benefits based on your work history.
• Private LTD insurance is separate and paid by your employer or you directly.
• SSDI payments typically do not decrease just because you get LTD benefits.

Coordination of Benefits

When you receive both benefits:

• LTD insurers may offset payments by the amount of your SSDI benefit.
• This does not reduce your SSDI, but affects how much LTD you get.
• SSDI does not reduce based on private LTD payouts.

Connecticut Specific Considerations

Important aspects in Connecticut include:

• State laws do not mandate SSDI reductions due to private LTD benefits.
• Your LTD policy terms matter most in determining offsets or reductions.
• Carefully review how your insurer calculates benefit coordination.

Impact on Total Disability Income

Considerations for your finances:

• Receiving both benefits can maximize your total income.
• Misunderstanding coordination can lead to unexpected shortfalls.
• Consult with professionals to optimize benefit payments.

When to Seek Guidance

Situations to get expert help:

• If you experience discrepancies in benefits calculations.
• When your insurer claims reductions due to SSDI payments.
• Before appealing any denials or offsets in your benefits.