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Short term disability through employer vs SSI
Posted on 9/4/23 at 6:40 pm
Posted on 9/4/23 at 6:40 pm
I have been diagnosed with a serious medical issue. I won’t be working for at least the rest of the year. My short term disability through my employer is hardly anything. In the process of applying for disability from SSI. I am 60 years old. I assume I can’t receive both? I would need to just settle on the better of the 2? I can draw the one from my employer for 26 weeks. TIA
5
Posted on 9/4/23 at 7:26 pm to Julz5198
quote:
How much you could get from SSI:
The maximum monthly SSI payment for 2023 is $914 for an individual and $1,371 for a couple. Your amount may be lower based on your income, certain family members’ income, your living situation, and other factors.
quote:
My short term disability through my employer is hardly anything.
How much is the disability from your employer?
Posted on 9/4/23 at 7:43 pm to Julz5198
SSDI**
SSI is when you are disabled and haven't really worked.
SSI is when you are disabled and haven't really worked.
quote:
Your monthly SSDI benefits, including benefits payable to your family members, are added together with your workers' compensation or other public disability payment. If the total amount of these benefits exceeds 80% of your average current earnings, the excess amount is deducted from your Social Security benefit.
Posted on 9/4/23 at 7:55 pm to Julz5198
I do SSD evaluations. Unless you are permanently disabled you aren’t going to be sent out for review. Most people won’t get it until they haven’t worked for 4 years. It’s not meant for people who are just out of work temporarily.
Take the short term disability.
You can actually collect both. I’ve done IMEs for long term disability insurance where they try to subtract your SSD from what they pay the claimant. Also, if you actually have SSD when you draw Social Security you get a larger payment. Never made sense to me but the assumption is you need more than regular Social Security if you are “disabled.” You automatically switch from SSD to Social Security at 62.
Take the short term disability.
You can actually collect both. I’ve done IMEs for long term disability insurance where they try to subtract your SSD from what they pay the claimant. Also, if you actually have SSD when you draw Social Security you get a larger payment. Never made sense to me but the assumption is you need more than regular Social Security if you are “disabled.” You automatically switch from SSD to Social Security at 62.
This post was edited on 9/5/23 at 12:21 am
Posted on 9/5/23 at 5:14 am to Drizzt
So my wife had a brain event back in 2019. She receives a monthly deposit listed as SSD Soc Sec for $1901.03. She just made 62 years old and started receiving this payment in Dec of 2021. This has to be something different then. My chances are about 90% that will not be able to work again( for what that’s worth). Not eligible for long term disability though my employer.
Posted on 9/5/23 at 9:22 am to Julz5198
Posted on 9/5/23 at 12:11 pm to Drizzt
quote:
You can actually collect both. I’ve done IMEs for long term disability insurance where they try to subtract your SSD from what they pay the claimant.
That’s pretty standard on most LTD policies. You’re usually required to file for SSDI to keep LTD benefited after a certain time, and they’ll 100% expect reimbursement for any retroactive award of SSDI.
Posted on 9/5/23 at 12:15 pm to Drizzt
Your link says you’re not automatically switched to regular SS at 62.
Posted on 9/5/23 at 5:45 pm to slackster
I know. That’s why I linked it. I was always told that SSD converts to SS automatically but this law firm says that’s not the case. These things can change suddenly with different directors or administrations. SSD rules are a confusing mess in general.
This post was edited on 9/5/23 at 5:47 pm
Posted on 9/6/23 at 7:07 am to Julz5198
quote:
I won’t be working for at least the rest of the year.
You are not considered disabled under social security unless you can't work due to a severe medical condition that has lasted, or is expected to last, at least one year or result in death. This is called the duration requirement.
Social Security doesn't provide temporary, short-term, or partial disability benefits. And your disability must prevent you from doing not only your current job but any other job available in significant numbers in the economy. If you can no longer be a carpenter, but you can be a receptionist or security guard, you are not disabled under SS law. Contrary to what many believe, it's a hard standard to meet, and the process can take many months or years to get a final decision.
Apply for the STD at work. If your situation worsens to long-term or permanent disability, and you can get LTD benefits through work, the insurer will often require you to apply for SS disability. They do so because any SS payments will often, per LTD plan terms, offset what the LTD insurer pays you. That means you don't get to double dip; the SS just reduces what the LTD pays you.
Posted on 9/6/23 at 3:00 pm to Julz5198
Can get both, but some policies have SSI offsets. Your short term policy will run out far before get SSDI
Posted on 9/6/23 at 4:32 pm to jrobic4
I have been diagnosed with stage 4 advanced/metastatic prostrate cancer. My short term disability just got approved today. $300 per week. That is no taxes or health insurance deducted.
Posted on 9/6/23 at 4:57 pm to Julz5198
I’m sorry to hear that and I wish you the best in your treatment and eventual recovery.
That may also qualify you for the Compassionate Allowance program with SSDI that allows for a much quicker decision from SS. SSA.gov information on the program
That may also qualify you for the Compassionate Allowance program with SSDI that allows for a much quicker decision from SS. SSA.gov information on the program
Posted on 9/8/23 at 1:22 pm to Julz5198
Hopefully your STD's benefit period is for 6 months and SSDI is approved quickly.
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