Free Consumer Reports

  • Long Term Disability Guide

    Robbed of Your Peace of Mind? Your Guide to Long Term Disability Benefits

    View Details

  • Hiring a Great Long Term Disability Attorney

    The Key To Hiring The Right Long Term Disability Attorney

    View Details

  • #

    The Smart Long Term Disability Guide For Preparing Your Statement and Field Visit

    View Details

  • Social Security Disability Guide

    Your Rights To Social Security Disability Benefits - Your Guide to Getting Benefits Now

    View Details


It depends on the terms of your policy! Many long-term disability carriers do provide that they have the right to reduce your benefits by the receipt of

“other income”. ERISA disability attorney Nancy Cavey suggests that you first get out your long-term disability policy and review the terms of your policy to see whether or not there is a provision that allows for reduction of your benefits by the receipt of “other income”. Secondly, you should review the “other income” terms carefully to make sure that whatever benefits you might be receiving are in fact benefits that the carrier is legally entitled to offset.

Further, you should demand an explanation from the carrier that explains why they believe they have the right to offset your benefits and how they go about calculating any offset.

Don’t ever sign a reimbursement agreement that allows money to be electronically withdrawn from your savings or checking account. You deserve and should demand an explanation of any alleged overpayment before you agree to any repayment.

If your long-term disability benefits have been delayed or denied, private disability and ERISA disability attorney Nancy Cavey can help you cut through the red tape and fight for your benefits no matter where you live in the United States.