How Do Individual & Group Disability Policies Work Together?
Answer: It depends, but most likely yes.
The group disability policy provided by your employer will most likely offset other income benefits you receive such as:
- social security disability;
- worker’s compensation;
- and other group disability insurance, such as a group you may have through an association or other group insurance provider.
However, individual disability benefits from your individual disability insurance policy which is individually underwritten to you is generally not an deductible source of income.
Some very limited group disability insurance policies will offset benefits from any source including your individual disability insurance policy.
It is important for you to review the section of your group disability insurance policy discussing deductible sources of income and other income benefits.
If you still have questions, please feel free to contact us for a free consultation.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
90 days and still waiting
NY Life Short Term Disability Team is Terrible
Sedgwick will use the false need for discovery to deny your claim
Unum does not act as a fiduciary
UNUM denied my LTD claim after 6 months although my health continues to decline
Horrible STD Service. Run !!!!
Reliance Standard cut off LTD suddenly claiming I could do sedentary work after 10 plus years… no paperwork sent to appeal
Denial for benefits, Sedgwick is the worst
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Seven Surgeries and The Standard Still Denies Disability Insurance Benefits
Sun Life Wrongfully Denies Disability After Paying For 23 Months
Nurse Denied Long-term Disability Benefits by Lincoln After the Definition of Disability Changed
Lincoln Reverses Decision to Terminate LTD Benefits of Corporate Attorney after Dell Disability Lawyers Appeals the Decision
Transportation Manager with Brain Injury Wins Unum Disability Benefit Appeal
Prudential reverses decision to terminate LTD benefits of MRI Tech with Primary Progressive Multiple Sclerosis and degenerative Disc Disease
Engineer With Depression Wins Prudential LTD Appeal
New York Life Approves Disability Benefits for School Teacher With Multiple Sclerosis
Reviews from Our Clients






