I'm receiving Metlife LTD I paid for when employed by my employer. Now that I am 64, 65 in June, social security said I can collect my husband's (I'm a widow) social security; NOT SSDI OR Social security disability but his "social security widow benefits. I realize Metlife can reduce my disability by the amount I receive for SSDI or my husband's SSDI BUT this is social security retirement not disability. So can Metlife reduce their monthly payment to me by my husband's social security I would receive? I'm going around in circles with Metlife & SS online searches as they keep referring to SSDI not retirement. Please advise as if Metlife can attach (reduce my disability benefits) my husband's social security payment to me then I would wait an additional 5 months but if not I could really use the additional amount to save my home. Thank you, Donna

Hi Donna. Whether or not MetLife could reduce your LTD payments if you start drawing widow's benefits depends on the terms of your LTD policy. I have no idea what those terms might be, so I can't answer your question. Unless you have a copy of your policy, you'll likely need to check with MetLife for an answer.

My expertise is limited to Social Security benefits, and all I can tell you is that the fact you receive LTD benefits would have no effect on any type of Social Security benefits for which you qualify.

Best, Jerry