1. Understanding SSDI and Private LTD

Key points to keep in mind:

• SSDI is a federal program providing disability benefits based on work history and medical eligibility.
• Private long-term disability insurance is offered through employers or purchased privately.
• They operate independently but can interact through benefit coordination.

2. Coordination of Benefits

How benefits might overlap:

• Many private LTD policies reduce payments dollar-for-dollar by the amount you receive from SSDI.
• This means an offset occurs to avoid "overlapping" disability income.
• Not all private plans offset SSDI, so check your policy specifics.

3. SSDI Payments Generally Remain Unaffected

Important clarifications:

• SSDI payments are not reduced by your private LTD benefits.
• Your SSDI award is determined by SSA independently of private insurance.
• Any reduction happens at the LTD insurer level, not the SSA.

4. Impact on Total Income

What you should consider:

• Total monthly income may be affected if your LTD benefits are reduced due to SSDI income.
• This can affect your financial planning during disability.

5. Alabama State Considerations

State-specific insights:

• No state laws in Alabama require LTD insurers to reduce payments because of SSDI.
• Alabama residents should review their private policy terms for offsets.
• Consulting an attorney is advisable for clarifying benefit coordination.