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If you are on long-term disability should you still file a claim with the SSA if you have an SS rider on your insurance policy and you are able to work at a different occupation?
Wiki User
∙ 17y ago
The re-wording of the question changes the answer. Simply, if you are able to work another occupation than you are not able to qualify for SSDI. 4lifeguild The SS rider is an offset. This means that your monthly income from your DI policy will be reduced by the amount that SS pays you. The only benefit you had in electing this rider is that it reduced your premiums that you paid for the policy and often times enables you to access a higher protection. If your policy is "Own occ" you will continue to receive payments as long as the benefit period allows or when you return to YOUR occupation whichever comes first. If it's any occ...look out! 4lifeguild
Wiki User
∙ 17y ago
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