Can You Collect Private Disability And Social Security At The Same Time?

Shawn Plummer

CEO, The Annuity Expert

Can You Collect Private Disability And Social Security At The Same Time?

Yes, you can collect private disability insurance and Social Security Disability Insurance (SSDI) at the same time.

However, your SSDI benefits may be reduced if you also receive private disability insurance. This is because SSDI has an offset policy, where your SSDI benefits are reduced dollar for dollar by the amount you receive from private disability insurance.

The total amount you receive from both sources typically won’t exceed your average current earnings before you became disabled.

Related Reading: Does Life Insurance Affect Social Security Disability Benefits?

Key Points About Collecting Both Benefits

  1. Offset Policy: SSDI benefits are reduced by the amount received from private disability insurance.
  2. Total Benefit Cap: Combined benefits usually do not exceed pre-disability earnings.
  3. Reporting Requirements: You must report private disability insurance benefits to the Social Security Administration.
  4. Private Policy Terms: The terms of your private disability insurance may also affect how benefits are coordinated with SSDI.


  • If your average earnings were $2,000 per month and you receive $1,200 from SSDI and $1,000 from private disability insurance, your SSDI may be reduced to $800 to keep the total at $2,000.

Related Reading: Will Life Insurance Payout Affect SSDI


Collecting both private disability insurance and SSDI is possible, but expect adjustments in SSDI payments. Understanding the offset policy and how it applies to your situation is crucial. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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