What percentage do you reimburse your insurance company when you are approved for Social Security Disability?

This will depend on the type of coverage that you have, and more specifically the provisions of your coverage.

• If you have group coverage, then the chances are very high that your benefits will offset dollar-for-dollar (100%) with any social security benefits you receive, including family social security benefits as well.
• If you are a Federal government employee, then your benefits will be affected as stated in the FERS program. The FERS program states that 100% of Social security benefits will be offset in the first 12 months of a claim, but only 60% of SS security benefits will offset for each month thereafter.
• If you have an individually owned policy then you will have to review the provisions of your contract. Insurance companies offer a rider known as Social insurance benefits or Supplemental disability benefits. This is essentially a monthly benefit that will be paid when you are eligible for an insurance claim but not eligible for Social security benefits. If you are eligible for SS benefits, then the benefits from this rider will offset dollar-for-dollar (100%) with any SS benefits you receive. The basic or base disability benefit that your contract provides will not offset at all with social security benefits.