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October 9, 2021
Category:
Am I Still Entitled To Receive Benefits From My LTD Policy Until Age 65?
Hello. I became disabled 11/16/2010 due to several autoimmune diseases. When I left& after my STD ended I was approved for LTD thru my employer w/Metlife. They paid me 60% & once I was approved for SSD the total of my SSD& the dependent SSD for my 2 juvenile children, the SSD benefits took care of my 60%. I was reading my Metlife policy& it states that if disabled under age60 that eligibility runs to age 65 at 60%. I only received the dependent amount until June2019 when my youngest graduated high school. Since then I have only been in receipt of my individual SSD payment which went down considerably($800+/month) when I lost dependent benefits. Well my father was ill& passed 8/4/2019 & in Oct.2019 My Mom was having problems so my husband decided to move her into our home so others would be around to help out since I am not able to care for her due to my own issues. My mind space was not there but I ran across my Metlife information from when I began my claim-thru the entire process. I am only 46yrs old right now& will never return to the workforce unfortunately. My question is, being I had the LTD policy that was to pay me the difference of the SSD & 60% of my income at Citigroup up to age 65. I am still entitled to the difference to make up the guaranteed 60% of my income through that policy until I turn 65yrs old correct? I was employed through Citigroup from 9/7/1998 thru 11/16/2010 full time as an assistant manager. Everything I have been reading says yes but I seen your site& figured I will ask as you seem very knowledgeable about these benefits. Your input would be greatly appreciated.
Warmest Regards,
Stacey
Hi Stacey. I'm sorry for your loss. I wish I could help you but my expertise is limited to Social Security benefits so I'm unable to answer any questions about private insurance plans like your STD & LTD policies. I can tell you that any benefits you receive from a private disability plan wouldn't affect your SSDI benefits, but what benefits that you're entitled to from your employer's insurance plan depends on the terms of your policy.
Best, Jerry