In most cases, you can receive both Social Security Disability Insurance (SSDI) and long-term disability (LTD) benefits simultaneously. Many LTD insurance policies require applicants to apply for SSDI as well. 

However, while applying for SSDI is often a requirement for LTD, the reverse is not true, and you are not obligated to apply for LTD benefits if you are applying for or already receiving SSDI. (Get detailed insights on how many work credits you require for SSDI)

Should You Apply For Both SSDI And Long-Term Disability?

Yes, it’s advisable to apply for both Social Security Disability Insurance (SSDI) and long-term disability (LTD) benefits. Many long-term disability insurance policies require applicants to apply for SSDI as part of the eligibility process. 

Applying for both ensures a comprehensive approach to financial support, as both programs serve different purposes. While LTD benefits are provided through private insurance policies, SSDI is a federal program that provides additional support. 

Remember that approval for one does not guarantee approval for the other, as the eligibility criteria and approval processes differ.

How Will SSDI Affect Your Long-Term Disability check?

It’s important to note that receiving Social Security Disability Insurance (SSDI) in addition to long-term disability (LTD) benefits may result in a reduction in your overall income. (Learn more on which medical conditions qualify for long-term disability)

Typically, LTD carriers will adjust your Social Security Disability benefits based on the amount they estimate you would receive from SSDI. For instance, if you’re getting $1,500 monthly from LTD and qualify for $1,000 in SSDI, your LTD payment might decrease to $500.

Even if your LTD policy doesn’t mandate applying for SSDI, initiating the application process is advisable. Applying for SSDI can be a lengthy process, and starting early ensures that you have a potential income source once your LTD benefits are exhausted. Remember that the terms of these adjustments should be outlined in your policy agreement.

Who Qualifies For SSDI?

SSDI, a federal program, offers monthly benefits and health insurance to individuals unable to work due to a severe medical condition. Eligibility is tied to work history and payment of Social Security taxes, typically requiring a minimum of five years of contributions within the last decade. 

If you’ve worked in various roles, from self-employment and state positions to nonprofit work, you can verify your Social Security tax contributions by creating an account on SSA.gov. Confirming your eligibility based on your work history in these roles is essential. 

Qualifying for Social Security Disability Insurance (SSDI) typically requires meeting the following criteria:

  • Work History: You must have worked jobs covered by Social Security and earned enough work credits. The number of credits needed depends on your age.
  • Medical Eligibility: You must have a medical condition that meets the Social Security Administration’s definition of disability. This condition must be expected to last at least one year or more.

Who Qualifies For Long-Term Disability?

The terms of your specific insurance policy determine long-term disability (LTD) eligibility. Commonly, you need to:

  • Meet Definition of Disability: You should meet the policy’s definition of disability, which can vary but generally means you can’t perform the duties of your occupation or any occupation for which you are suited by training, education, or experience.
  • Waiting Period: Most LTD policies have a waiting period before benefits kick in.

Can I Get SSI And Long-Term Disability Insurance?

As for Supplemental Security Income (SSI) and LTD, it’s possible to receive both, but it depends on the terms of your LTD policy and the income criteria for SSI. Some LTD policies may reduce benefits based on other sources of income, including SSI.

Reviewing the details of your LTD policy and consulting with an attorney to understand how these benefits interact in your situation is essential. (Get detailed insights on What Do Social Security Disability Lawyers Do?)