Video Summary

  • Long-term disability benefits may be reduced by the amounts received from Social Security disability.
  • People with long-term disability policies are often required to apply for Social Security disability as well.
  • The reduction in long-term disability benefits occurs due to an "offset provision" in the policy.
  • If approved for Social Security disability, recipients may receive a lump sum, but spending it all at once is not advisable.
  • Group long-term disability policies commonly include the offset provision, and individuals should review their policy and seek legal assistance if needed.
Kevin J. McManus
Connect with me
Kevin McManus is an accident injury and disability lawyer in Kansas City, MO, and Overland Park, KS