If enrolled in unium long term disability . Can I still collect ssd?

Answer 1

You should contact Unum to confirm, but almost certainly the answer will be yes. Please note, however, that most group (employer) sponsored disability plans reduce their benefit when Social Security Disability Income is awarded. So depending on the offset method and how the math works, you may find that your Unum benefit reduces to the policy's minimum benefit (typically $50 or $100 per month, or if you are lucky "the greater of $100 or 10% of the Gross Monthly Benefit"). If so, your total income doesn't go up by a whole lot, but you still will be receiving more income from both sources than you would have from your Unum policy alone.

Finally, most group sponsored disability plans only reduce their benefit based on your initial Social Security Disability Income award but not for any SSDI Cost of Living Adjustments (COLAs) you may receive, which compound annually. So over time you may see your combined income from both sources go up.