SunGold wrote:Hi All,
We had the Physician fill out details of what his physical limits are. There is one section which asks if we have already applied for Social Security Disability or if we intend to and when and why details. We haven't (no specific reason, except he's presently working, so haven't thought about filing.)
1. Is there any advantage to filing Soc. Sec. Disab. or not, in light of the company sponsored disability?
2. What happens if the company does not qualify him for LTD, can we reapply for the company sponsored LTD and/or SSD at a later point in time.
I just posted that my package is going through through the Federal Gov't and I was REQUIRED to file for Soc Security as part of the process, all I had to do was apply, DID NOT need to get approved, in fact was denied. SO here is what you do:
If you apply online for Soc Security, if you answer yes that you are still working it will automatically not let you go on.
So I called them and I had to set up a phone interview and speak to someone, answer some easy questions and was told I was denied for several reasons. One being I am still working and also because my income is to high.
I was sent a letter denying me and was told to reapply once I get approved for Federal Disability Retirement and stop working and my case would be reevaluated.
So now I have an open case which is a good thing and they will check in on me from time to time.
NOW had I been approved per the parameters of my Federal Disability Retirement I would take what Soc Security would give me and deduct that from what my Federal Disability Benefits were per month 100% for the first year and each year there after deduct 60%.
So I WILL reapply after I stop working.
But you will hear especially around here that getting approved for Social Security benefits is very difficult and the threshold is much higher.
Not sure I answered any of your questions, if you have other questions just ask me!