A question...

monicad1974 · 12-13-2007, 12:00 AM

Quote:

Originally Posted by b2006

Trust me, I can totally relate to every single thought that you typed out, so much that it felt like I was actually typing the words right along with you.
I would also give anything to be able to go back to living the life I once knew, dealing with becoming disabled and the feelings/life adjustments that go along with facing that reality, is the hardest challenge I've ever faced.

The whole LTD dependent offset issue plain sucks in my book

If it helps any, please know that there are people out there (lawyers as well as other advocacy groups) that are trying very hard to put an end to such a questionable practice as offsetting dependent benefits.

I can understand LTD offsetting our own SSD benefits so we don't exceed the percentage as per what our LTD contracts state, but factoring in and offsetting other family member dependents benefits is pushing things way to far

Even though the LTD carrier has to increase their portion of benefits once the dependents age out from collecting SSD off our records, normally things only get harder dealing with the LTD carrier from that point on.
When LTD is advised that they need to increase what they've been paying due to no longer being able to offset childrens benefits, they get very creative in all of a sudden denying the whole claim

For some people it's a smooth process, and others like myself it's not

I wish I knew long ago exactly how group LTD works, if I did I would've purchased my own private disability plan which normally doesn't offset dependents benefits, it would have saved me a lot of headaches

Hang in there as I'm trying to do. I guess we should be fortunate that we have any LTD plan at all, many people do not, I feel bad for those people who have nothing to fall back on while awaiting the SSDI approval process.

Have a happy holiday

Would you not be having to give the alotted amount in child support anyway? The money is to care for them. I am pretty sure your state law could tell you that the gardian of the child can use this toward the child's bills or needs.It's not like an allowance.

monicad1974 · 12-13-2007, 12:01 AM

Quote:

Originally Posted by monicad1974

You know your ltd can refuse to give you benifits even if you have been aproved for ssd. I know 3 differant people having to get lawers to get theirs.

Would you not be having to give the alotted amount in child support anyway? The money is to care for them. I am pretty sure your state law could tell you that the gardian of the child can use this toward the child's bills or needs.It's not like an allowance.

monicad1974 · 12-13-2007, 12:03 AM

Quote:

Originally Posted by b2006

Trust me, I can totally relate to every single thought that you typed out, so much that it felt like I was actually typing the words right along with you.
I would also give anything to be able to go back to living the life I once knew, dealing with becoming disabled and the feelings/life adjustments that go along with facing that reality, is the hardest challenge I've ever faced.

The whole LTD dependent offset issue plain sucks in my book

If it helps any, please know that there are people out there (lawyers as well as other advocacy groups) that are trying very hard to put an end to such a questionable practice as offsetting dependent benefits.

I can understand LTD offsetting our own SSD benefits so we don't exceed the percentage as per what our LTD contracts state, but factoring in and offsetting other family member dependents benefits is pushing things way to far

Even though the LTD carrier has to increase their portion of benefits once the dependents age out from collecting SSD off our records, normally things only get harder dealing with the LTD carrier from that point on.
When LTD is advised that they need to increase what they've been paying due to no longer being able to offset childrens benefits, they get very creative in all of a sudden denying the whole claim

For some people it's a smooth process, and others like myself it's not

I wish I knew long ago exactly how group LTD works, if I did I would've purchased my own private disability plan which normally doesn't offset dependents benefits, it would have saved me a lot of headaches

Hang in there as I'm trying to do. I guess we should be fortunate that we have any LTD plan at all, many people do not, I feel bad for those people who have nothing to fall back on while awaiting the SSDI approval process.

Have a happy holiday

Would you not be having to give the alotted amount in child support anyway? The money is to care for them. I am pretty sure your state law could tell you that the gardian of the child can use this toward the child's bills or needs.It's not like an allowance.

monicad1974 · 12-13-2007, 12:04 AM

Would you not be having to give the alotted amount in child support anyway? The money is to care for them. I am pretty sure your state law could tell you that the gardian of the child can use this toward the child's bills or needs.It's not like an allowance.

monicad1974 · 12-13-2007, 12:07 AM

I think I have lost my mind...lol... I couldn't get my post to post it was driving me loony. Until I saw there was a age 2... Sorry

Starlord · 12-14-2007, 01:52 AM

I was injured on the job in August of 1992, when, as Lead Security Supervisor at a homeless shelter in California. I got my left leg broken at the knee by a former Marine on PCP. For the next eight years, I suffered crippling pain, which the doctors told me I was imagining. I ended up fighting with the SSA for three years, until the Admin Law Judge ruled that the SSA had to give me my benefits, as I had little to no chance of obtaining employment. I don't know what company gives you 70% of your base pay when you are disabled and collecting SSDI, but I am sure missing out on that gravy train. As soon as I was cleared by the doctors to return to full duty, I was let go, and it was like they had never heard of me. Today, I live (?) on SSDI, and my wife gets a pension from the state of Arizona, since her previous husband was killed by a drunk driver while he was employed as a prison guard (off-duty when killed). Neither of us has ever even heard of receiving 70% of base pay while collecting SSDI. If I feel I can work again (not likely, given my disabilities) I have to notify the SSA so they can stop my checks while I am working up to 90 days. If I was too optimisitc, supposedly they restart my checks immediately. I don't have that much faith in our government, sorry.

b2006 · 12-14-2007, 10:39 AM

My LTD plan pays 60% but some policies do pay 70%, it all depends on the company you worked for before becoming disabled.

The 60% or 70% is not on top (in addition) of SSDI, we are only able to collect a combination of the two benefits, at least that's the case for me, the two work in conjunction with each other.
For example, my SSD doesn't equal 60% of my prior pay so the LTD carrier is responsible to make up the difference to bring me up to 60%.

In order to collect more than just what SSD pays, you would've had to be able to collect on either a group LTD plan offered through your employer, or purchased a LTD plan on your own. Private LTD is very expensive, but the good thing about having such a plan is that private LTD doesn't usually offset what SSD pays, thus leaving the disabled person in a position to not only collect their full SSD, but also to collect the full percentage of the disability plan that they purchased. Basically a person could collect on both and have a good stream of income while disabled.

I'm not on a gravy train by no means, I'm under group LTD, my SSD & LTD are both taxed leaving very little to live on verses what I was making in the past.

b2006 · 12-15-2007, 06:13 PM

Monica, you are correct, LTD can and often does deny people regardless if a person is awarded SSD. The LTD carriers are supposed to factor in/give weight of an SSD award when making a decison, but often they don't.

I replied to this thread a few days ago and just noticed today that my last posting show up for some reason, I just wanted to let you know I wasn't ignoring your posting.

b2006 · 12-15-2007, 06:32 PM

Monica, here is my original reply to you, I just located it as I had posted it on the wrong thread

You are correct, LTD can (and often does) refuse benefits even if a person is collecting SSDI, as they each use their own criteria when deciding a claim.
They are supposed to factor in the weight/credibility of a favorable SSDI decision when deciding claims, but rarely do.

I've been on SSDI and LTD for many years now, my problem is that as soon as my dependent aged out from collecting off my SSD record (which in turn means the LTD carrier now has to pay much more) the carrier suddenly decides to cut me off regardless that my health situation is much worse than when I went on claim years ago, as well as very medically documented. Of course they deny the increase in benefit amount has anything to do with the denial which is common for them to do.

I've been through appeals (always successful and benefits reinstated) in the past always over some BS reason to cut me off, having done so, this time I'm no longer letting their delay tactics work and I'm currently in the process of a lawsuit in order to have benefits reinstated.
The appeal process is just something I no longer have any energy for, that's why my attorney is handling the matter for me.
It's a long story and one I can't get into due to my filing, but I will never let them win as that's what they are hoping for.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Question about 6 question cdr form	Bobby17	Social Security Disability	18	07-14-2013 11:36 AM
a question --	ConsiderThis	Gluten Sensitivity / Celiac Disease	12	08-02-2007 10:20 PM
KD, a question for you!	AfterMyNap	Community & Forum Feedback	22	07-21-2007 09:43 AM
I have a question	Alffe	Computers and Technology	8	05-20-2007 01:36 PM

Site Navigation

NeuroTalk Online Support Groups

A question...

NeuroTalk Forums