Does a private long-term disability policy reduce SSDI payments in Indiana?
By Hogan Smith
Updated 12/18/2025
Does a private long-term disability policy reduce SSDI payments in Indiana? In Indiana, having a private long-term disability (LTD) policy may impact your Social Security Disability Insurance (SSDI) benefits. Typically, your SSDI payments are not directly reduced because of private LTD benefits, but some LTD plans consider SSDI payments as a factor when calculating your benefit amount. This means your insurer might offset your LTD benefits by the amount you receive from SSDI, but SSDI payments themselves are generally not reduced by private LTD benefits. It’s important to understand how your individual policy handles these interactions to avoid surprises.
Find out if you qualify for SSDI benefits. Pre-qualify in 60 seconds for up to $4,018 per month and 12 months back pay.
Please answer a few questions to help us determine your eligibility.
Understanding SSDI and Private LTD Interaction in Indiana
- SSDI benefits are federally provided and generally not reduced by private LTD benefits.
- Private LTD policies may include an offset clause that reduces LTD payments by the amount of SSDI received.
- Indiana does not have specific laws preventing insurers from offsetting LTD benefits based on SSDI.
How Offsets Typically Work
- Your LTD insurer may subtract your SSDI payment from your LTD benefit, lowering your LTD amount.
- This offset does not affect the actual SSDI payment you receive from the federal government.
- Always review your LTD policy to understand how payment interactions are handled.
Claim Coordination
- Claiming both benefits simultaneously may require coordination paperwork between SSA and your LTD provider.
- Timely SSDI approval can influence the timing and amount of your LTD payments.
Impact on Overall Income
- While SSDI payments generally aren't reduced, your total disability income might feel less if LTD payments decrease due to offsets.
- Understanding this helps manage expectations when receiving multiple disability benefits.
Legal and Insurance Guidance
- Consult a disability or insurance professional to review your policy language and possible offsets.
- Legal advice may be necessary if you dispute offset calculations or insurer practices.
How Hogan Smith Can Help
At Hogan Smith, we assist Indiana residents in understanding how a private long-term disability policy may affect their SSDI benefits by:
- Reviewing your LTD policy to identify any clauses that could reduce your benefits when receiving SSDI.
- Explaining the interaction between SSDI payments and private disability benefits to help you plan your finances.
- Assisting with disputes or claims when insurers incorrectly apply offsets to your disability payments.
- Providing expert advice on how to navigate the coordination of benefits between SSDI and LTD claims.
Contact Hogan Smith Today
If you need help understanding whether a private long-term disability policy reduces your SSDI payments in Indiana, contact Hogan Smith today for a free consultation. Our knowledgeable team will guide you through your disability benefits, clarify any payment offsets, and help protect your financial interests.
Further Reading
Boost Your Chance of Being Approved
Get the Compensation You Deserve
Our experts have helped thousands like you get cash benefits.
How It Works
1
Briefly tell us about your case
2
Provide your contact information
3
Choose attorneys to contact you