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Can I earn money while I collect long term disability benefits?

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Can I Earn Money While I Collect Long Term Disability Benefits?

Disability attorney Gregory Dell discusses if a claimant is able to earn income while receiving long term disability benefits.

Disability claimants often ask me if they can earn money through some other method besides just collecting their long-term disability benefits. The answer to this question really depends on the language in your policy. If you have an own occupation definition of disability, then the likelihood is that you could work in some type of different occupation and earn money. However, if you don’t have an own occupation definition of disability, the probability is that if you earned any kind of money in some other profession, that any money you earn would be offset from your disability benefit payment.

So if you were earning $3,000 a month in a long-term disability benefit payment and you had some other occupation that paid you $1,500 a month, for example, the likelihood is that the disability carrier may claim an offset of $1,500, which would leave you with $1,500 left of your monthly benefit. So if you have specific questions about your policy and whether you can work and continue to collect your disability benefits, go ahead and give us a call and we’ll be happy to answer your questions.

There are 3 opinions so far. Add your comment now.

Diana Locke:

A family member is working 40 hours a week in a physical labor job. He was diagnosed with MS a few years ago, and his job is becoming more and more difficult as time passes. If he were to go on SS LTD, is there a cap on how much he could still earn at his job? I was wondering if he might be able to get SSD, but maybe still work half days, or whatever is allowed. There used to be an earnings cap, but I can’t locate one now.

Attorney Stephen Jessup:

Diana,

As we only handle privately insured disability policies, you would have to consult with a Social Security attorney as to your question to make sure the information provided is accurate.

Darlene:

I am going to try for disability. I wear hearing aids. My dr. told me it is nerve deafness that I got. I have been wearing them for years and it is now worse, I cannot hear nothing if I take them out.

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