Does a private long-term disability policy reduce SSDI payments in Ohio?
By Hogan Smith
Updated 12/19/2025
Does a private long-term disability policy reduce SSDI payments in Ohio? In Ohio, having a private long-term disability (LTD) insurance policy generally does not directly reduce your Social Security Disability Insurance ( SSDI) benefits. However, some LTD plans have provisions to offset or reduce payments based on the amount you receive from SSDI. This means your total monthly disability income may be adjusted to avoid duplicative benefits. It’s important to review both your LTD policy and SSDI rules to understand how they interact in your situation.
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Understanding Policy Offsets
Private LTD policies may include:
- Offset clauses that reduce benefits by the amount you receive from SSDI.
- These offsets aim to prevent total disability income from exceeding a certain percentage of your pre-disability earnings.
Impact on SSDI Payments
Key points in Ohio include:
- SSDI payments themselves are not reduced because of private LTD benefits.
- Your SSDI benefit amount is determined by federal rules, unaffected by private insurance.
How LTD Benefits Are Adjusted
Important considerations:
- Private insurers may reduce your LTD payments based on your SSDI income.
- This ensures your combined monthly benefits don’t exceed a set percentage of your salary.
Reviewing Your Policy Carefully
Before relying on benefits, be aware:
- Each LTD policy is different; check your contract terms for offset details.
- Some plans allow coordination with SSDI, while others may not consider it.
Consulting With Experts
It’s advisable to:
- Consult an attorney or benefits specialist in Ohio to understand your rights and obligations.
- Ensure you receive all SSDI and LTD benefits you are entitled to without unnecessary reductions.
How Hogan Smith Can Help
At Hogan Smith, we guide Ohio residents through questions about private LTD policies and their impact on SSDI by:
- Reviewing your LTD insurance policy to identify any offsets related to SSDI benefits.
- Explaining how your SSDI payments interact with private disability benefits under Ohio and federal law.
- Helping you understand your total expected disability income and advocating for your maximum benefits.
- Assisting with any disputes or appeals involving your LTD insurer or the SSA.
Contact Hogan Smith Today
If you have questions about whether your private long-term disability policy reduces your SSDI payments in Ohio, contact Hogan Smith now for a free consultation. Our knowledgeable team will help clarify your benefits, protect your rights, and ensure you receive the full amount you deserve without confusion or unnecessary offsets.
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