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Hrkinz

long term disability vs Ss benefits

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Why is my long term disability insurance allowed to take my back pay benefits from social security?   I was finally approved for SS disability, which I was required to file for, at the request of my long term disability provider.  They then required I file for my minor child and now the long term disability provider decreases my monthly benefit by the amount issued by Social security and they have required I Relinquish my back pay from social security. And, that caused an income tax issue due to the large amount of money involved.  

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It sounds as if your long term care disability policy has a SSDI Offset provision. This permits your insurer to deduct other income you are receiving due to your disability. SSDI is one such source of income. 

I'd read through your policy and see what the exact language is on offsets. 

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