DISABILITY BENEFITS CALCULATORS

Long-Term Disability Offset Calculator — United States

See how SSDI and other income sources reduce (offset) your private long-term disability insurance payments under a typical group LTD policy.

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Enter Your Details
$
Your gross monthly earnings before becoming disabled.
Most policies pay 60–70% of pre-disability income.
$
Policy cap on the monthly benefit. Enter 0 if none.
$
Most US group LTD policies offset SSDI dollar-for-dollar and may also offset dependent SSDI benefits.
$
Workers' comp, other disability pensions, or retirement income the policy offsets.
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Disclaimer: LTD offset provisions vary by policy and may include overpayment recovery. Figures are current-year estimates. Not legal or financial advice.

Related Calculators

SSDI Benefit Estimator · SSI Benefit Calculator · SSDI Back Pay Calculator · Disability Work Credits Check · Disability Pension Benefit

If you're running this calculation, the long-term care insurance need calculator is usually worth checking too, while the long-term disability benefit calculator and the va disability benefit calculator cover the questions that usually follow.

Frequently Asked Questions

Does SSDI reduce my long-term disability payments?
Usually yes. Most employer group LTD policies offset SSDI dollar-for-dollar. When your SSDI is approved, the insurer reduces its payment by the SSDI amount, and may recover an overpayment for the retroactive period it already paid in full.
Why does my LTD carrier make me apply for SSDI?
Because the policy allows the insurer to offset SSDI, it saves money when you receive it. Many carriers even provide SSDI application assistance. If approved, expect a reconciliation of the back pay.
Are dependent SSDI benefits offset?
Many group LTD policies offset both your SSDI and the dependent benefits paid on your record. Others offset only your primary benefit. The exact treatment depends on your policy language.
Is my LTD benefit taxable?
If your employer paid the LTD premiums, benefits are generally taxable. If you paid premiums with after-tax dollars, benefits are usually tax-free. SSDI may be partially taxable depending on total household income.

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