Does my private disability insurance offset or limit the social security benefits I receive?

Your own private disability insurance will not limit or reduce your social security disability benefits. However it may work the other way in reverse. What I mean by that is many times social security disability benefits will reduce or create an offset under a private disability plan. If your private disability plan is covered by the Employee Retirement Income Security Act or ERISA most of those plans nowadays have an offset provision for social security disability. Many of them will even require you to apply for social security disability while you’re receiving disability benefits under your own private disability plan.

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