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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. I had trouble getting my proof of self-employment to upload in secure file exchange and finally got it submitted by 12:06 am , 6 minutes late. What are the possibilities that they will deny it? I have received unemployment from March 2020 to some of Jan and some in Feb 2021. Most of Dec, Jan, Feb, March, & april were stopped for this proof of employment.
    Also, I see proof of Income as a 2nd issue but it is always on there. That was not on my TO DO list.
    I feel for u all on ID.ME…

    Anyone trying to reach UI, call their number, press 2 or 3 (questions abt filing a claim?) and then wait thru the message. At the end of it, u will be connected to a live person! I promise.. don’t push another button.. I’ve done it 4 times and it never failed.

    We lost our home, my ex took my child…. (kept her after a visit and called cps facilitating drama while the cops wouldn’t give her back without paperwork locked up in the court house..shut down for covid) I raised her by myself for 12 years & now she is with a violent alcoholic and parental alienating parent .. ….my dog, my 9-year sweet little best friend, was attacked, passing away 3 days later.. all in this time frame.
    But! It will all be ok. I have faith.

    Be grateful for your life and all that is in it today. What u dwell on daily will be your strength or weakness.
    Good luck to all of u.
    And thank you, Jeff, for responding out here. It is appreciated!
    Davulia S.

  2. I filed over two months ago. I have not received any information. My status says “pending resolution”. I have no way of contacting anyone. My position was eliminated at my job and I submitted the documentations online. I dont know what else I can do.

  3. I have been apply Ohio Pua unemployment since July 5th still pending issues. Upload what they ask for when ever I call says your case is in Adjudication. Very very frustrated, financially I am broke. Health issues. Waiting a long period.Don’t know what I will do ?

    1. Nafisa,

      I can understand your situation. There will be a delay considering the number of applications that are being processed. Please continue chasing the office/check your status online at regular intervals until payments normalize.

    2. Same here since Feb 2021 turned in all the documents still pending issues 3 months now. When you call they tell you to be patient. Pulling my hair out it’s so frustrating.

  4. I was receiving PUA unemployment. they made me file for a new claim in February. Now I am in adjudication even though I gave all the same information from my previous claim. Have been adjudication since February and I call and they say they will put in a ticket to have an Adjudicator call me. Nothing. I am wondering If I can go down to to Maryland Unemployment Office and demand that someone talk with me to release my claim for payment. It’s been 56 days. I read that they have a maximum of 45 days.

    1. Luis,

      Your adjudicator may be inundated with pending cases. Please continue to follow up (if you have the contact details) or consider the option of visiting an office in the vicinity if safe and feasible.

    2. t sounds just like mine only im disqualified yet actie every till sept 4th . they haven’t asked me for anything! i file then its disqualified yet im told im ok and have nothing to do bit wait for an answer? answer to what? they switched my program and all and asked me to provide proof for a claim that wa denied al eady back in 2018! deny me once and then again perhaps? lol idk

  5. My mom had unemployment in Florida. She just recently moved temporally to California with a sister since she needs assistance, and now the website is telling her she cannot do anything because she is register in another state. Can she keep filing unemployment in Florida, even if she is living and register now in another state? how is the process to change the unemployment? I tried calling and there is no answer. Thank you!

    1. Stephanie,

      Please ask your mother to consider transferring the UI benefits from FL to CA (details will be available on either of the websites). If there are benefits weeks left in the account, she will be able to claim them.

    1. Leatha,

      UI benefits are offered to claimants who lose employment involuntarily and be able to and available for work.

  6. I lived in ga in 2019 and move to florida in 2020 and work for the xmas months in nov-dec. I was told to do a combine wage claim. my question is which state do i file the claim in?

  7. I filed for pua in Ohio back in October 2020.My claim has been in ajudacatuon since 11/1/20.So 2 to 6 weeks is a total understatement! When I call.i am told to basically hurry up and wait some more.I have recently been redetermined and my claim is allowed.but I have one pending issue.How long is too long?

    1. Nicole,

      Unfortunately, nobody has an answer. There are perhaps thousands of pending applications. Please consider the option of visiting an office in the vicinity if safe and feasible.

  8. If you claim your weeks for unemployment and for the next 2 months you still have not received your money. Where can you go in volusia county to talk with a live person

      1. HI Jeff,
        I applied back in Dec 5th, 2020 and I haven’t received any correspondence, is there a local office that I can make an appt to make certain my claim is right.

        1. Adam,

          You can consider visiting an office in the vicinity if safe and feasible (details will be available on the Unemployment Office’s website).

  9. On NYS DOL website, my claim is saying current yet the information is for my old claim with 0 days remaining despite receiving 2 weeks of payments on the new claim and I was able to certify last night. I haven’t received anything; no letters or emails.

  10. I was disqualified for UI benefits for not providing an ID and other forms of identification. How do I fix this?

        1. Gary,

          You may not be eligible since unemployment insurance is only extended to those who become unemployed due to involuntary reasons.

    1. Hi Mike, I’m in NYS and was at the end of my BYE on 3/14, I was still certifying but wasn’t getting paid. I found out I had to file a new claim because my other was exhausted. I’m still waiting on approval. Maybe you have to file a new claim. I hope this helps.

  11. They say 2-6 weeks it’s more accurate to say 2-6 months; and when you call many of them are rude and unwilling to assist!

  12. someone needs to look into Sharon L. Anton gillette, wyo. or dickinson, nd she is a fraud and has done so many fraudulent things and please look into her

    1. Annette,

      Please report it to the Fraud Division of the Unemployment Office in your state. You can report on the website.

  13. I worked part time for thee years here in florida. I’m currently not working. I’m also retired and collects social security.
    My question is
    Am I qualified to file for unemployment ?

    1. Ruby,

      To be eligible, you’re required to have sufficient hours and earnings. Please use the “Benefits Calculator” available on this website.

  14. So adjudication takes 8 to 12 weeks. Oh okay, that explains why I havent received payment since July. That surely helps just like the rest of the information that you give. And by the way. What’s the NEW reason you can’t get through to the Call Center.

    1. Maria,
      I have gotten through to the call center (live agent) every time i’ve tried calling within the last 2 weeks. The number to a live agent (follow the prompts carefully) is (667)-207-6520. i have gotten through within 10 to 15 mins with each call i had made!

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