LTD and SSD at the same time?

cheatinlil
cheatinlil Member Posts: 197
in Kidney Cancer #1

My husband’s job is processing his LTD claim now to be effective next month.  They recommended he also file for SSD.  They said that he will get the same amount whether on just LTD or on both LTD and SSD at the same time. 

They said 2 advantages to doing both LTD and SSD  at the same time:  1) you continue to build your SS for your retirement.  If you only do LTD, you don’t build anymore SS for your future. 2) Transitioning to return to work or returning and having to go on SSD again is easier if doing both.  They even offer an outside firm (Genex) to assist in filing the SSD.  I guess it is to their advantage because their payout is cheaper if I do both because the monthly amount doesn’t change.  I’m new to all this and just want some feedback.  Do I trust what his LTD is recommending to me?

Comments

  • icemantoo
    icemantoo Member Posts: 3,361 Member
    #2
    LTD and SSD

    cheatinlil,

     

     

    I suspect that the LTD cotains an offset for SSD benefits and that to cotinue to get the LTD benefits you are required (not recommended) to file for SSD. Check with your husand's employer's HR department as well as with the LTD carrier.

     

     

    Icemantoo

  • Footstomper
    Footstomper Member Posts: 1,237 Member
    #3
    icemantoo said:

    LTD and SSD

    cheatinlil,

     

     

    I suspect that the LTD cotains an offset for SSD benefits and that to cotinue to get the LTD benefits you are required (not recommended) to file for SSD. Check with your husand's employer's HR department as well as with the LTD carrier.

     

     

    Icemantoo

    Whatdo these terms mean?

    Whatdo these terms mean?

  • icemantoo
    icemantoo Member Posts: 3,361 Member
    #4
    Footstomper said:

    Whatdo these terms mean?

    Whatdo these terms mean?

    LTD and SSD

    LTD is Long Tem Disability usually under an employer's policy with an insurance company.

     

    SSD is Social Security Disability allowing you to collect Social Security after you become permanently disabled.

     

     

    Icemantoo

  • Footstomper
    Footstomper Member Posts: 1,237 Member
    #5
    icemantoo said:

    LTD and SSD

    LTD is Long Tem Disability usually under an employer's policy with an insurance company.

     

    SSD is Social Security Disability allowing you to collect Social Security after you become permanently disabled.

     

     

    Icemantoo

    Thanks

    Ive just retired disabled and I've been told to contact Social Security, I just wasnt sure what for! Its when you deal with a government bureacracy that one feels truly alien.

  • Jan4you
    Jan4you Member Posts: 1,330 Member
    #6
    Footstomper said:

    Thanks

    Ive just retired disabled and I've been told to contact Social Security, I just wasnt sure what for! Its when you deal with a government bureacracy that one feels truly alien.

    I have used both and it went

    I have used both and it went seemlessly. It was for another couple of things I am going through medically.

    I was told I had to apply for Social security disability. I did a phone interview as the application process. You need to have ready all your doctors' names, and places for treatment. If you have their number/fax number it helps alot as well.

    When I got my SSD, they took that amount OFF of the LTD amount I was already receiving. Luckily, i received approval in 4 months. I suggest you use ALLSUP which is a National agency that does all the work for you. You get a casemanager who checks in from time to time to see if you are still disabled.

    Let us know how things are going if you want.

    Hugs Jan

  • a_oaklee
    a_oaklee Member Posts: 566 Member
    #7
    Someone over at smart

    Someone over at smart patients advised that you be very careful re benefits at the current employer.  I think you should get advice from HR.  Medical insurance is an issue.  They also said if you plan to refi your house, do it prior to LTD.

  • cheatinlil
    cheatinlil Member Posts: 197
    #8
    a_oaklee said:

    Someone over at smart

    Someone over at smart patients advised that you be very careful re benefits at the current employer.  I think you should get advice from HR.  Medical insurance is an issue.  They also said if you plan to refi your house, do it prior to LTD.

    Footstomper, I see icemantoo

    Footstomper, I see icemantoo cleared it up for you.  It’s weird for me to be talking in acronyms so seamlessly.  I use to ask those kinds of questions.

    Thanks Jan4you,

    It sounds like ALLSUP is like Genex.  They do it all for you too.  It sounds like you have already ben where we are headed.

    a-oaklee,

    I have been working with HR too.  Thanks for your feedback. 

    I’m so sorry we are all here! L

     

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