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Most people focus on pain or their diagnosis when applying for disability, but Social Security is really looking at how your condition affects your ability to function at work. If you have to leave your workstation frequently to use the restroom, that can be a serious work limitation—and it’s something many people forget to mention. What symptom affects your daily life the most that people don’t usually talk about? Tell me in the comments.
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Many employer-provided long-term disability plans reduce your benefit once Social Security approves you. That’s why winning an SSD case can lower your LTD payment — and why back pay often goes to the insurer. If you’re receiving LTD and applying for SSD, understanding this interaction matters early.
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