Long-Term Disability Benefit Offsets

Your DIPNC benefit may be subject to an offset.

An “offset” is a reduction in the amount of your DIPNC benefit based on the amount of another benefit that you are receiving or that you may be eligible to receive.

State law requires your DIPNC long-term benefits be reduced by:

An amount equal to your Workers’ Compensation monthly Temporary Total Disability Benefits, if you are receiving this workers’ compensation benefit due to a disability incurred during the same period of state employment disability related to your long-term benefit.
An amount equal to your Veterans Administration Benefits, other federal disability benefits or certain North Carolina military benefits, if based on the same disability as your long-term benefit.
Excess monthly earnings from any type of public or private employment.
Severance pay as a result of reduction-in-force from the state.
An amount equal to any Social Security benefits which you are receiving (excluding widow’s/widower’s benefit) or which you are entitled to receive, including age 62 Social Security retirement benefits.

Example of Long-Term Disability Benefit with an Offset

Annual Base Salary	$42,000.00
65% of Base Salary / 12 ($42,000 x .65)	$27,300.00
	/12
Monthly Benefit (before offset)	$2,275.00
Social Security Disability Benefit	($1,000.00)
Monthly Benefit with Offset	$1,275.00