MMC Benefits Handbook
Other Sources of Disability Benefits
What impact does receiving other disability income benefits have on my basic long term disability plan benefit?
Your Basic Long Term Disability Plan benefit is reduced by any disability income you receive from other sources (offset income). Note that even if you are receiving disability income or benefits from other sources, you will not be eligible for Long Term Disability benefits unless this Plan's requirements are met.
Offset income may include but is not limited to the following sources of income:
- Social Security disability income
- state disability benefits
- Workers' Compensation, benefits under occupational disease, or similar legislation
- income replacement payments
- another employer's disability income payment
- 60% of a rehabilitative benefit if you return to work part-time.
Other Disability Income
Which sources of disability income will offset my Basic Long Term Disability Plan benefit?
The offset income would include, but not be limited to:
Assume your disability plan payment is $1,500 per month, and you receive $500 per month from another disability income source. If the other disability income source, like Social Security, is an offset to your benefit, you would receive a long term disability benefit of $1,000 per month. The $1,000 long term disability benefit combined with the $500 Social Security benefit still totals $1,500 per month.
Note: Your Basic Long Term Disability Plan benefit is not reduced (offset income) by private disability insurance plan income payments.