FREE CASE CONSULTATIONS
HOME & HOSPITAL VISITS AVAILABLE

Due to the COVID-19 pandemic, we are providing free consultations via PHONE or VIDEO conferencing for your safety and convenience. Our Charlotte office is OPEN during its regular hours.

Blog

Long Term Disability Offset Part 2

| May 8, 2015 | Social Security Disability

If an individual is receiving long term disability insurance benefits from a plan provided through employment, an award of social security disability benefits often results in a dollar for dollar reduction of LTD benefits. This does not occur as frequently with long term disability plans directly purchased by an individual who has control over the type of insurance purchased. Generally, it is much easier to obtain long term disability benefits than social security disability benefits because of different definitions of disability applied to the two programs. It is common that during the first two years of disability the administrator of an LTD plan only requires proof that a disabled person cannot perform the usual and customary duties of their “own occupation,” the job being performed at the time disability began. After two years the standard of changes to an “any occupation” standard, that is very similar to what must be shown for disability in an SSD claim. 

ARCHIVES

See What Our Clients Say

Robert Whitlow was awesome. He made sure he was totally prepared and also that we were prepared. Because of his knowledge and professionalism our case went through without a hitch.

Stephen D.

View more

See What Our Clients Say

Robert Whitlow is a great asset to your firm. He’s personal as well as professional. I cannot thank him enough for his help!

Jeanette W.
View more

What Our Clients Say

My previous attorney lost my disability claim. I saw Attorney Robert Whitlow and he took the time to totally understand what was going on and helped me get the necessary information.

Brandi P.
View more