Re: LTD benefit offset
"THE EMPLOYER" refers to the employer under which you receive LTD.
Example, you work for the postal service and retire after 20 yr of service and get an $800/mo pension. Still wanting to work you decide to work for ABC Manufacturing. You work for 5 years during which you are paid your salary while receiving your postal pension. You have a heart attack 3/4/11 and due to heart damage can no longer work. LTD can't offset the postal pension JUST as they don't offset the postal pension from earnings while working.
The provision noted applies to what you receive from the employer under which you receive LTD and only to the extent to which the employer contributed. If you contributed 50% and employer 50% then only 50% of amount can be offset.
Rt thumb fusion '13. R&L thumb arthroplasty '12 ; RT TKR & Bilat CTS' 11. Fusions: L5-S1('87), L4-S1('93), C5-C7('06), L3-S1('10), C4-C5('13). C5-C7 foraminotomy '08