STD benefits

[Guest vkuenzler]

Can an employee collect both employee sponsored STD and Social Security benefits?

[Mary C]

From Social Security's point of view their is no problem. They will pay what the employee is entitled to if they judge he is disabled.

From STD's point of view - it depends on how the plan is drafted. In my experience, most STD plans only pay for a limited amount of time, usually 26 weeks, sometimes 52. If its a 26 week plan, then benefits usually stop prior to the end of the Social Security waiting period. If STD pays longer than 26 weeks, the plan must specify if benefits are integrated or reduced by Social Security benefits in the summary plan description.