Can you get Long term Disability insurance coverage without a social security disability offset reduction?
Typically, if you are approved for ltd, long term disability benefits, the insurance carrier will want to recover your social security disability backpayment if you are approved for social security disability.
However, The Standard has announced a new product plan that is being offered to employers "with large groups of employees at higher risk for disability, such as retail workers or those who perform physically demanding jobs." which will not reduce benefits if other forms of income (such as social security disability) are received. The tradeoff to this is that the actual ltd benefit amount is lower than usual.
For information on Social Security Disability, visit the
Social Security Disability SSI Resource Center
Medical Condition - Social Security Disability
Win Benefits – Social Security Disability
Can you appeal a disability claim denial if the deadline has passed?