Why Does My Disability Insurance Company Get An Offset for my Social Security Disability Payments?
I receive long-term disability insurance payments from an insurance policy that I got through work. The company required me to apply for disability payments under from the Social Security Administration. I did, was determined to be disabled by the SSA, and now my long-term disability insurance benefits are being reduced by the amount of my SSD payments. What is going on?
It is not uncommon for private long-term disability policies to require claimants to apply for SSD payments and then off-set any SSD payment received against the benefit of the private policy. The language of the policy often gives them the right to do this.
This certainly sounds unfair, but if the policy provisions give them the right to this offset there is little that can be done about it.
