Private Disability Insurance vs. SSDI

Private Disability Insurance vs. SSDI

  • Long-term Disability can have a significant impact on your Social Security Disability Appeal
  • There may be a clause that states, once you start receiving Long-term Disability Monthly Benefits, you will simultaneously apply for Social Security Disability
  • If you are awarded Social Security Disability, your Long-term Disability Insurance Carrier will either stop paying you, or begin paying you much less on a Monthly Basis
  • The back pay that you are awarded for those two years you are waiting for Social Security will, more than likely, get swallowed up by way of reimbursement for the money that they payed out to you during the two-year Waiting Period
  • If you have a long-term Disability claim, it is likely that you will be forced to Apply for Social Security
  • Once you win your Social Security Benefits, you will need to prove to your Long-term provider that the case has been won, and send them the documentation to prove that you have been awarded benefits
  • Do not touch your Social Security back pay award, until Long-term Disability has worked out offset and reimbursement requirements


This short informational video was provided by Anne Howard, an Experienced  Connecticut Social Security Disability Lawyer.