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The state you live in will not impact your eligibility to receive Disability benefits from a Long-Term disability policy. Therefore, Yes you are able to collect Long-Term Disability (LTD) benefits while receiving Social Security (SS) benefits.

To be more specific though, whether or not you actually receive benefits from your LTD policy will have everything to do with the wording in the contract. If you have group coverage through work, then it is likely that any benefits you receive from Social Security will offset the benefits payable through your LTD plan dollar-for-dollar. In this situation, even though you are able to receive LTD from your company policy, you may not actually receive any from it if you are receiving Social Security benefits equivalent or higher than the monthly benefit it provides. The same consequences apply for Federal Government employees as through the FERS program. Additionally, if you own an individual policy that has Social Insurance offset benefits, then theses benefits will also be offset dollar-for-dollar.

If you own an individual LTD policy that does not have Social Insurance benefits than you would be able to collect on Social Security benefits and 100% of the benefits provided through your LTD policy.

This is actually one of the main reasons why individual LTD coverage is much better than group coverage.

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14y ago
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13y ago

No, if you have a long term disability then you are not eligible for unemployment. That is why on unemployment claims they ask, "Are you able to work?" If you are disabled and not able to work then you do not qualify for unemployment.

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Q: Can a person collect unemployment benefits in Illinois after long term disability through their employer and is able to work but lost their job?
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Related questions

How long must an employer pay unemployment benefits in Illlinois for a terminated eemployee?

The employer does not pay unemployment benefits. The employer pays unemployment insurance premiums to the State of lllinois. When the employee is terminated, the employee applies for unemployment benefits with the State of Illinois. The state determines if the employee is eligible for benefits and, if the employee is awarded benefits, those benefits are paid and monitored by the State of Illinois.


Are employer financed supplemental unemployment severance benefits an offset to long term disability?

A disability insurance policy can have two main categories of benefits: base benefit and supplemental benefit. Only the supplemental disability benefit can be reduced or offset by any other benefits received (including SS disability, Workers' Comp, or any other employer benefits). The base benefit will not be offset by any other benefits received.


Can your employer make you buy disability insurance?

Your employer should provide the minimum employee benefits, such as Medical, Dental & Life. You will pay additionally as a apart of the United States Government taxes, Social Security, Unemployment and Disability Benefits, which can also be shared by your employer. Additional employee benefits offered are Just that additional, and you can choose to Opt-Out of any additional benefits.


Does vacation pay affect unemployment benefits in Illinois?

Yes. According to the Illinois Unemployment Insurance Act when your employer pays for your unused vacation time or promises to pay in the future, it is considered wages and you are ineligible for that vacation period. Also, by Illinois law, the employer has to pay for that unused vacation time.


Can you collect disability from the state of Illinois?

Illinois does not have state short term disability. Social Security disability is a federal program.You can get short term disability in Illinois by through your employer, or by working with an agent.


Can an employer deny unemployment benefits if an employee is out due to medical reasons in Rhode Island?

An employer can't deny unemployment benefits; only your state's unemployment office and approve or deny unemployment benefits. It's up you state to determine if you are eligible to receive benefits.


Can you collect unemployment insurance and employer disability concurrently in new york?

no, if you are collecting disability you are still employed


Who pays for unemployment insurance in Illinois?

The employer pays a percentage of payroll as unemployment insurance premiums.


In California can you collect unemployment after state disability?

You can collect unemployment after state disability if you are healthy enough to return to work, and your employer terminated your employment during your disability. The termination can not be related to your job performance.


Can employer stop unemployment benefits once started?

Tha state controls unemployment, not employers.


Does unemployment benefits come from a state fund or directly from an employer?

They come from the state. Your employer pays unemployment taxes to the state and the federal governments.


Is it necessary for someone who receives cash from an employer to claim taxes on the income?

Legally, yes. And of course by letting yiur employer do less, you miss out on all the benefits he shoud be paying for...your FICa, unemployment, disability, etc, insurance and more