Can I get Social Security Disability Benefits if I am also getting short-term disability benefits or long-term disability benefits?
That’s a question we hear often from our clients.
If you are out of work due to mental or physical health problems, you may be receiving disability benefits under a private disability plan. These plans are often categorized as “short-term” disability benefits, which last a shorter period of time, and “long-term” disability benefits, which can go on for years. Some of these private disability plan premiums are paid for by your employer, others split the cost between your employer and you, and some are private policies you obtained and paid for yourself.
It is possible to get Social Security Disability benefits at the same time that you receive short term or long term disability benefits, as long as you are found disabled by the Social Security Administration.
The receipt of private disability benefits does not affect how much you receive in Social Security Disability benefits, although it can affect your financial eligibility for Supplemental Security Income benefits.
However, depending on the specific policy, your receipt of Social Security Disability benefits can affect how much you receive in short-term or long-term disability benefits. Some policies allow the insurance company to reduce the amount of your short- or long-term disability benefits by the amount of your Social Security Disability benefits, while other policies allow you to receive the full amount of both types of benefits.
It is almost always beneficial to you to apply for Social Security Disability benefits if you are out of work or expected to be unable to work for at least 12 months, even if you are getting short- or long-term disability benefits.
An experienced attorney at the Deuterman Law Group can help you with your Social Security Disability benefits claim, whether you’re just starting the process or you’ve been denied benefits. If you have questions about how your short-term or long-term disability benefits may impact your Social Security Disability claim, please contact us to find out how we can help you.