Understanding Benefit Coordination

When you receive both SSDI and private LTD benefits:

• SSDI payments usually stay the same, as the SSA does not reduce benefits based on private insurance.
• Many LTD policies include an offset clause that reduces your LTD payments by the amount you receive from SSDI.
• This helps LTD carriers avoid duplicating disability payments.

Wisconsin-Specific Rules

In Wisconsin:

• The state follows federal SSDI guidelines regulating benefit amounts.
• No Wisconsin laws prohibit private insurers from offsetting LTD benefits.
• Policy terms ultimately govern how LTD and SSDI interact.

Impact on Your Total Disability Income

Consider these points about your combined benefits:

• Receiving SSDI may reduce your private LTD payments depending on your policy language.
• Your overall monthly disability income could be less than the sum of both benefits without offsets.
• This can affect budgeting and financial planning during your disability.

Review Your LTD Policy

To understand your benefits coordination:

• Check your LTD policy for offset provisions referencing SSDI or other government benefits.
• Consult your insurer or employer for details on how benefits are coordinated.
• Keep documentation of all disability awards and payments for reference.

Consulting a Disability Attorney

If you face complexities:

• Legal advice can clarify how LTD and SSDI interact in Wisconsin.
• Assistance with disputes or appeals related to offset calculations is available.
• Protecting your rights ensures you receive all benefits you deserve.