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Can You Receive Long-Term Disability And UI Benefits Simultaneously?

Updated : August 4th, 2020

If you are unemployed and disabled, you might be wondering if you can receive Long-Term Disability (LTD) and Unemployment Insurance (UI) benefits simultaneously. The answer? Rarely. You can collect them simultaneously only when the eligibility requirements of the Long-Term Disability and Unemployment Insurance program overlap. 

In this article, we will guide you on collecting Long-Term Disability and UI benefits simultaneously. But before that, let’s have a detailed look at LTD and UI benefits programs.

Unemployment Insurance Benefits Program

Unemployment benefits are given to people who lost their job through no fault of their own. To qualify for the benefits, the claimant must be able, available for work, and actively look for work. The claimant must also submit a record of work searches, which should include the address if employers approached, the number of interviews attended, etc. 

Other eligibility criteria include:

  • Minimum earning during the base period 
  • Minimum number of work hours 
  • Totally or partially unemployed 

Long-Term Disability Benefits Program

Long-Term Disability benefits are given to people who are unable to work. The LTD program defines the inability to do a work in two forms: inability to take up any job and inability to do their own work. 

The definition of disability in an “inability to take up any job” is that one must be completely incapable of taking up any job for which he/she is qualified based on your education or experience. For example, a firefighter who cannot climb ladders or lift heavy objects will not be considered as disabled under an “any job” if he’s still capable of taking up other jobs, such as a cashier, clerk, etc.

The definition of disabled in an “inability to do their own job” form is that one is unable to perform the duties of his/her own job. For instance, a firefighter who is medically unable to meet the mental or physical requirements of that job is considered as disabled even if he can take up another, less strenuous job. 

Receiving Long-Term Disability And UI Benefits At The Same Time

Generally, one cannot receive Long-Term Disability and UI benefits simultaneously, especially in states like New York. However, in rare situations, one may qualify for both the benefits depending on his/her state of residence and how broadly the state’s policy defines the disability. 

Situations in which you can receive both LTD and UI benefits include:

  • You can take up a job that is not similar to your previous work
  • Your job does not rise to Substantial Gainful Activity (SGA) level 
  • You are receiving partial LTD benefits

Receiving Long-Term Disability And UI Benefits Consecutively

If you do not qualify to get LTD and UI benefits simultaneously, you can receive them consecutively, i.e., you can get one benefit after another. 

(1) You can receive unemployment benefits and then become disabled and obtain disability. 

If you are currently getting unemployment benefits and have a disability policy, you can file a disability claim. If your disability benefit is given through your employer, you may not receive the LTD benefits if you were terminated and are receiving unemployment benefits. However, some policies may extend for a period after employment. In such cases, you may still be covered under the policy. 

If you have an independent policy, then you can file a claim when you become disabled. At that point, you have to notify the authorities at the unemployment office that you are no longer “able, available, and willing” to work. 

(2) You can receive disability and then become able to work and receive unemployment benefits. Before applying for UI benefits, you should evaluate your ability to take up a job and whether your previous employer can provide you a job. Once you become able to take a job, you have to notify your disability benefits provider. This would require certification from a doctor.

Note that you will not receive a full Long-Term Disability amount if you qualify for unemployment benefits. The LTD insurers will deduct some amount from your LTD benefits depending on your unemployment benefits.

Closing Thoughts

Though the chances of receiving both the benefits simultaneously are not great, it is worth trying. However, note that filing for Long-Term Disability and UI benefits simultaneously can be challenging. It is always wiser to consult a Long-Term Disability lawyer before applying for UI benefits. 

 

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  1. So I have been getting ue for 6 months and on Oct 21 I had a fact finding issue found and cleared after taking a month, I got put on hold I got nothing no benefits nothing because I am on hold until cleared up and it was another month later in my favor, I’ve been without payment since Oct 21 since then I have been on HOLD, I am beyond pissed, I call every Fri I see the letter I received saying its in my favor that says I am Monetary Eligible-yet I still have 6 payments on hold. I call DEO and I talk, I beg and I get told “we are working on it”, the letter is in my favor I am poor not rich I am poor Why how do you people get away with this

  2. Hello

    I’m 59 years old and was laid off in March 2020 due to Covid.
    In June 2020 I was advised my job was eliminated and there is no chance of me
    Being brought back. I’m collecting UI since March.

    Pondering the thought of taking my early retirement pension as I can’t survive on
    UI any longer. My pension is of course reduced due to my age. Full pension is age 62.

    If I apply for early reduced pension in this situation, does my UI benefit get decreased? I’m in New York.
    I’m still looking for full time work. No luck.

    Thank you so much
    Lorraine

  3. i was just layed off from my job, i did collect benefits in pa. my job is seasonal igot unemployment payments in jan. to april i had 26 weeks of unemployment , but only used about 13 weeks, and was called back to work. i received 2 weeks of 600 dollars of stimlus money. my question is now that i reopened my 2020 claim . i,m i still elegibe for any more stimlus payments along with my regular unemployment payments.

  4. I am 65 yrs old in California and being layed off in Dec 2020. If I apply for unemployment benefits and collect a company pension, will the pension reduce the unemployment benefits ? If you answer call unemployment what is the department or do you have a phone number for a help line. I have called and get automated questions that do not apply to my situation.
    Cannot get to a live person.

  5. Several years ago I was part of a reduction in force and was early-retired for pension purposes. I count on this small pension ($2K/mo) to supplement my employment which has been inconsistent this past two years. I am filing for UI in IL and I qualify for it, but they are saying my pension reduces my UI benefit to zero. Is that right?

    1. Mike,

      That is partially right. The pension will have an impact on UI benefits. Please check for relevant info on the Unemployment Office’s website.

  6. I have $219.00 left on my UE and still no work due to covid-19 will i be able to get a extension on my UE and will it cover the last two weeks. I request payment tomorrow.

      1. My benefits have expired, still.unemployed due to over 65, wdiebrtes, high blood pressure and have one kidney, Can I get PUA , Cares Act for any assistance

  7. im working at a place i have been layed off from a lot in my career.i got 30 yrs in there so i can retire now but need another job to make it hoping to stay working and get more hours.If i take a new job and get layed off there I will BE DRAWING 1400 A MONTH FROM THE JOB I WORKED 30 YRS would i be able to draw unemployment if the new job lays me off and would it be reduced because of my retirement money of 1400 month.

  8. My bf was laid off in April he got the the 600 to start with now he is only getting the unemployment and no extra when we hear ppl getting 3 checks totaling 40k that might be lies but still that is bullshit.

  9. I Sharon Bland or Sharon Scott or Sharon Ann Mccraw
    Use my phone to claim two of my boyfriends and my own benefits. Is that ok ?

  10. I’m getting pua on employment and it was supposed to be backdated to May 27th when I wasn’t ableable to start my new job and somehow it’s August 24th they said it would be backdated been sending messages and pua people keep saying they have emailed you guys too but nobody gets back to me who do I need to contact about this thank you

  11. I check my checking account balance every week but I cannot tell if I am getting my 300.00 extra unemployment. Also. How can I tell if I got my back time unemployment .

    1. Thelma,

      I did not understand what you meant. Please reach out to the Unemployment Office for precise answers to all your questions.

  12. I have exhausted my UI and all extensions. Not eligible for Fed Ed. Does EDD open a PUA claim for me. Or do I have to aoole for it. Its been past 30 days since receiving my Fed Ed denial letter.

  13. i have been unemployed for the whole year almost and since i have been trying to distance myself to better my all around health, it took me this long to file for benefits, i was hoping to get back pay all the way to the beginning.

    1. Zach,

      To qualify, the claimant is required to have sufficient earnings/employment during the “Base Period”. Please use the “Benefits Calculator” available on this website for more.

  14. Thank you o much for investigating this. When I received an overpayment statement and my benefits where stopped I felt my heart drop to my stomach. Already being evicted by a slumlord and now no income, i had to start working when i feel very at risk for getting the virus because of pre-existing conditions and the reason for filing in the first place. i am a cosmetologist and considered non-essential. I feel utterley hopeless and helpless in this situation.

  15. I cannot contact anyone in the unemployment offices because the phone hangs up on me in all cases after listening over and over the recorded message. I have called three numbers .

    I have received pandemic unemployment since March 31st. There was a pending adjudication but I never received any questions, letters nor emails about it and I was approved and paid. Now…this is what the website says:
    7 of 7 entries
    Issue Identification Number Employer Name Issue Type Status Date Mailed Level
    0002 7693 59-01
    PUA Pending 11/16/2020 Adjudication
    0002 4773 71-01
    Program Integrity Mailed 11/6/2020 Adjudicati
    Claimant Inbox
    Select the Search button to display your action items. To narrow your search, input issue date range below and select the Search button.
    Issue Date: From: To: 11/6/2020 to 11/16/2020
    Inbox
    • Below are the items that require your attention and that you need to take action on for your claim.
    • Select the Document ID
    I need this money to survive as others do while I am trying to re-establish any contract freelance work I am capable of doing….I report my small jobs as I get them but they do not come close to equaling my unemployment as of yet. Please tell me where I can go to find out what is needed here.

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