Let’s compare apples to apples and oranges to oranges. Disability insurance is insurance that you pay for, generally, through your employer or privately which pays a benefit in the event you are unable to work. There are various kinds of disability policies, short term disability, long term disability, and there is a defined benefit within the disability policy. Some of those policies indicate that if you get Social Security, the benefit is reduced. Social Security is based on a finding of disability and payment into the Social Security system under SSDI. It’s like an insurance policy and if you’re entitled to disability, get your disability because between the two policies, you’ll always get more if we add whatever’s left on your private disability policy, even after an offset, together with your Social Security, you’re going to be getting more money. The fact that you’re getting disability under a policy should not stop you ever from filing for Social Security, or vise versa.
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