Loading discussion content. Please wait...
Spouse or Partner Caregiver Forum
A practical financial question RE SSDI & Temp Disability Ins.
Dh was approved for SSDI, which is not being paid out until the end of September. He is currently receiving Temporary Disability through the State of NJ, which runs out on August 19th. So he will be receiving payments from NJ Temp Disability for 2 weeks of August.
It does not appear that Social Security has reduced his amount even though the September payment is for the month of August. I am almost certain I did let them know Dh was receiving temporary disability payments when we went in to the SS office. Do I need to call and alert them?
I do NOT want to be in the position of having to pay money back, however, it would be nice to have something more than my puny income to live on in the weeks before his late September SSDI payment, so I am tempted to let whatever happens happen. What do you think? Hoping someone has had some experience with this.
I would like to do the right thing, but I am tired, which is why I am tempted to just let whatever happen. I spent this morning trying to figure out the answer to the question. All I can find online is that SS will reduce their payment IF the temporary disability payment is going to cause Dh's monthly income to go above his average monthly prior to becoming disabled.
I guess I'll have to call to double check even though I am sure I notified SS at the appointment. Ugh. I also have to fax the SSDI award letter to his employer paid disability company since they sent a letter of approval and a notice of check arriving in August. That would have to be paid back for certain. I am just tired of paperwork.
From this morning's online research...
I find nothing on the NJ FAQ or info for Temporary Disability that says he is ineligible for benefits if he is collecting SSDI.
I do find that SSDI reduces benefits depending on average monthly earnings prior to disability AND the amount being received from Temporary Benefits.
I guess I just feel like I have spent the past year looking out for my husband's best interests. Social Security should look out for themselves and not count on me to do it for them--especially if I already notified them. (I do realize they do not care how I feel.)
Have you ever seen the Frasier episode where Martin tries to return $40 to the bank?
ETA: Temporary disability pay in August is not a FULL 2 weeks, so we are talking about roughly $1000 or less.
Not sure- do you have proof that you notified them? That would help if push came to shove, however, you know the Government always thinks they're right. I might just feel as you do.
Disability benefits Are not EARNINGS DWs sick leave payments were not earnings.
The term “earnings” as used in this subpart (other than as a part of
the phrase “net earnings from self-employment”) includes the sum of your
wages for services rendered in a taxable year, plus your net earnings
from self-employment for the taxable year, minus any net loss from
self-employment for the same taxable year.
New Jersey is a "reverse offset" state. That is, the State will offset (reduce) its benefit instead of SSA offsetting the SSDI benefit.
I'd report the payment to NJ. and have a copy of the "report" date stamped by the agency to prove the document was received. (Seriously, this has saved my *** on several occasions.) It's possible there will be no offset but I'd want this monkey off my back
P.S. - The cutoff is 80% of the claimant's prior monthly average earnings, not 100%.