For all who know so much more about the "system" than i do.
Question- When employer says they pay 70% of your "base salary" minus any social security, is it correct that they include ALL social security payments awarded to my total family and not just me? That is my wife gets part of the award for my disability made out solely to her with an amount for her and the children included. This is not a part of "my" paycheck, i have no control over it. It is like my wife is given money for my children as if I wouldn't spend it on them myself (and i give them every cent anyway). She can spend it on anything she wants. Meanwhile , i get this amount in reduced long term pay from my company. Is this true and correct? It sounds to me like an automatic garnishment of wages, just beacuse i happen to be married with children cs

are you on workman's comp? and social security? I know there is an offset on that. I settled my wc before I applied for ss

no workmans comp, just ssdi and company's private plan. They say that they pay 70% of your base salary minus any ss benefits. Since ssdi pays part of the benefits directly to my wife and kids for their loss of me, it doesn't make sense that they take that out of my wage. It seems like some kind of garnisment penalty, even though i stress that all my money goes to them anyway. What i'm geting at is should my employer not take off the money that ssdi gives to my wife and kids because it is a part of ssdi's package for me becoming disabled. It seems like a penalty towards me, because i got sick. I think that the company should be paying me the promised 70% of my base wage and the "extra" that ssdi pays to my wife and kids should be looked at as helping to make up the 30% (actually 50% when bonus is considered) that i lost from becoming disabled. Is this clear, now? cs

Your children should get their own amount. It is for their welfare just like child support. It is to care for your kids. My aunt gets ssd and her boys did til they were 18.

I do understand now. I don't agree with companies doing that but that is just how they do it. it is considered an offset. stupid huh? after all you did pay into it.

My LTD works the same way, the insurance carrier offsets (deducts) any funds paid by social security disability regardless of whom the recipient is.
Sadly, when dealing with employer provided LTD group coverage, it's quite standard these days.
Even though the children's benefits are to be used for the support of the children, they still count it as total family income and reduce what they pay.

When your children reach the age of no longer being eligible to collect SSD benefits off your record, your LTD carrier would then be responsible to increase the amount that they had been previously offsetting. (Assuming if you are still disabled at that time)

My LTD works the same way, the insurance carrier offsets (deducts) any funds paid by social security disability regardless of whom the recipient is.
Sadly, when dealing with employer provided LTD group coverage, it's quite standard these days.
Even though the children's benefits are to be used for the support of the children, they still count it as total family income and reduce what they pay.

When your children reach the age of no longer being eligible to collect SSD benefits off your record, your LTD carrier would then be responsible to increase the amount that they had previously offsetting.

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.