Many LTD insurance companies have provisions to take an offset (if that is the correct term) of SSA benefits received by the benificary. (I have other questions on this but will save them of later.) This is usually covered by some boilerplate in the contract.

Some LTDs are claiming credit for SSA benefits paid to the minor children of the beneficiary. (It matters not that the children may not live with the beneficiary)

Regards

Dallas

Numerous LTD plans off set for individual SSA benefits and or Family SSA benefits. This is common practice. However, even if they do an off set they usually pay minimum benefits. Your SPD should outline these provisions. I wouldn’t expect that dependent residence would mean any thing to the LTD carrier.