I just received word yesterday that my Long-Term Disability application was APPROVED!! 😀 WHOO-HOO!!! On the first try, to boot! They stated that they will require me to file for SSDI, and that if approved, they will pay the difference between what SS pays, and what this policy is supposed to pay for 4 years.

That makes me ask…for those that are more familiar with SSDI…I’ve been told by several attorneys locally that they won’t even talk to me about a SSDI application until I’m grossing less than around $960 per month, but the insurance company seems to think you can draw both a Long-Term Disability from a private plan AND SSDI at the same time. Anyone have any experience with that, and can offer any insight? I’m guessing because the LTD payments are “earned income” that perhaps they’re treated differently? I’ve got an e-mail off to a local SSDI attorney, waiting to hear back. I’d be interested in any suggestions, stories, etc.

Thanks!

Elmo