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Old 05-13-2011, 05:50 PM   #1
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Difference in $$ Between SSDI and Social Security

This is probably a naive question on my part, but I'll ask it anyway. I am currently receiving Social Security Disability as well as a monthly payment from Long Term Disability through my former employer. Because I receive this long term payment my SS Disability payment amount was decreased at the time of my favorable ruling. In other words: If I hadn't been granted long term disability through my employer, I would have received a larger Social Security Disability check. I am 10 years away from receiving regular Social Security.'s my question. When I reach 65 the long term disability payment will cease and my SS disability will cease. Will my regular Social Security check be the same amount as my disability check that I'm currently receiving? How do I find out what I will receive as a SS check at 65? Thanks for any advice you can give. BB

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Old 05-13-2011, 05:56 PM   #2
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Re: Difference in $$ Between SSDI and Social Security

You will get the disabilty amount without a reduction for the LT Disabilty payments since they'll be gone anyway.

Old 05-13-2011, 07:02 PM   #3
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Re: Difference in $$ Between SSDI and Social Security

SSDI benefit amt is in no way affected by LTD. It's solely based your earnings history.

LTD benefit amt is based on your exact policy definition of earnings. Every policy is different. (My LTD policy used prior year W2 earnings).

LTD doesn't take into account income at prior employers while SSDI takes into account your entire work and income history

LTD benefits are reduced by SSDI.
*If LTD is $3000 and SSDI is $1300 then LTD pays $1700 and SSDI pays $1300
*SS is fully aware some people have LTD and that SSDI is deducted from LTD.

SSDI and LTD, in whole or in combination, are not meant to provide anywhere close to 100% of your pre-disability earnings. For many people, if they got full SSDI and full LTD they'd be making more than when they were working.

When you reach SSNRA (full SS retirement age) your SSDI will become SS Retirement.


EVERY LTD policy is different. Some have benefits that end at SSNRA and some have old wording that the policy ends at 65. My SSNRA is 67, if my LTD ended at 65 I'd just have SSDI for the remaining 2 yr. Luckily my LTD ends when I reach SSNRA of 67.
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Last edited by SpineAZ; 05-13-2011 at 07:06 PM.

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