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I need help. Four years after diagnosis, I am leaving my job after a period of working part time. My company has a long-term disability policy--great. My wife is also disabled with rheumatoid arthritis and has been getting SSDI benefits for 12 years. Our 16-year-old son receives dependent benefits as part of my wife's benefits. The LTD policy I'm covered under counts our son's part of the SSDI as deductible income (so-called full-offset deductions). Now my insurance rep is telling me that my wife's SSDI may be deductible too! This seems crazy! Our income would divebomb. I have calls in all over the place to get some answers, but needed to do something immediately so I'm writing to this list because many of you have been jerked around in trying to patch together a post-employment income. I realize my situation is fairly specialized, but does anyone have any light to shed or any advice? Thanks for anything you can offer. Rick Hermann ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn