If I am receiving disability insurance benefits, can the disability insurance company use my spouse’s income or retirement benefits to offset my monthly disability benefit payment?
The universal answer for this question is No. In almost every short term or long term disability insurance policy the only money a carrier can use to offset the claimant’s disability insurance benefits is money paid to the claimant or the claimant’s children as a result of the claimant’s disability. An example of a classic offset is SSDI payments to the claimant or SSDI payments to claimants children as a result of the claimant’s disability. Income to earned by a spouse that has nothing to do with your disability is irrelevant and we have never seen a spouse’s income offset a spouse’s disability benefit. There have been cases where a claimant and the spouse own shares in a company and the claimant is still disabled. The income distributed to the disabled claimant could be considered an offset.