Does a private long-term disability policy reduce SSDI payments in Utah?

By Hogan Smith

Updated 12/22/2025

Does a private long-term disability policy reduce SSDI payments in Utah? In Utah, having a private long-term disability (LTD) policy does not automatically mean your Social Security Disability Insurance (SSDI) payments will be reduced. While some private LTD insurers may deduct SSDI benefits from your monthly payouts, the Social Security Administration itself does not reduce your SSDI based on private insurance. The coordination between private LTD and SSDI depends on the terms of your policy and how benefits are structured. Understanding these rules is essential to know how much total disability income you can expect.

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Private LTD Policies and SSDI Coordination in Utah

Key points to understand:

  • Private LTD insurers may offset your payments by the amount you receive from SSDI to avoid overpayment.
  • SSDI payments remain unaffected by private policies, as SSA does not reduce benefits based on private insurance.
  • Offset clauses in LTD contracts determine whether SSDI affects your private disability income.
  • Utah law does not require SSDI reduction due to private disability insurance.
  • It’s important to review your private LTD policy terms carefully to understand how benefits coordinate.
  • Consulting a disability expert can help clarify complex interactions between your private and public benefits.

How Hogan Smith Can Help

At Hogan Smith, we assist Utah residents by:

  • Reviewing your private long-term disability policy to explain how it may affect your SSDI payments.
  • Guiding you through the complexities of benefit coordination and offsets between private insurance and SSDI.
  • Ensuring your rights are protected when insurance companies attempt improper deductions.
  • Providing strong advocacy if issues arise with either your private insurer or the SSA regarding payments.

Contact Hogan Smith Today

If you have questions about how a private long-term disability policy may impact your SSDI payments in Utah, contact Hogan Smith for a free consultation today. Our skilled team will help you understand your benefits and protect your income from being unfairly reduced. Let us guide you through navigating both private disability claims and Social Security benefits with confidence.

Further Reading

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