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Can you receive both Disability Insurance and Social Security disability benefits?
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Yes, it is possible to receive both Disability Insurance and Social Security disability benefits under certain circumstances. Disability Insurance (DI) is a type of insurance that provides income to individuals who are unable to work due to a disability, while Social Security disability (SSD) benefits are provided by the Social Security Administration to individuals who are unable to work due to a disability. In some cases, individuals may be eligible for both DI and SSD benefits. However, it's important to note that the total amount of benefits received from both sources cannot exceed a certain limit, known as the maximum family benefit. This limit is determined based on the disabled individual's average lifetime earnings. If the combined amount of DI and SSD benefits exceeds the maximum family benefit, the SSD benefits may be reduced to ensure that the total benefits do not exceed the limit. It's advisable to consult with a qualified insurance specialist or a representative from the Social Security Administration to understand the specific rules and regulations governing the receipt of both DI and SSD benefits in individual cases.
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