Can Social Security Retirement Benefits (not SSDI benefits) reduce your Long-Term Disability Benefits? 
Great question . Your friend should ask his/her benefits person at the work site about the details of the insurance contract . Typically , when someone has a qualifying disability and ca n't work the policy pays the monthly benefit until age 65 . There are many different forms of disability income policies - some are more liberal than others regarding the definitions of disability and they payout of benefits . 