Question
Can Unum deduct any SSDI I receive? If so, why?
Answer
James, Unfortunately the Social Security offset is perfectly legal, and is a bargained for term in the policy and is standard in just about every employer provided group disability policy. The only way to avoid Social Security offsets would be to purchase a private individual policy from an Agent. That being said, with that you pay much higher premiums than what you do (if at all) through an employer provided group plan. It’s the same concept as buying a base model car (ERISA governed policy) versus one with all available options (Individual policy) – you get what you pay for. At the end of the day you end up making 70% of your prior earnings, it’s just a matter of who pens the check – Unum or Social Security. The disability insurance industry is set in a way to prevent an insured from collecting more money on disability than if they were workings, because, as the Unum rep bluntly put it, no one would go back to work if they could potentially make more money not working.
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