{"product_id":"ssdi-ltd-coordination-owen-hartwell-9798258657589","title":"SSDI + LTD Coordination: How to Navigate Offsets, Back-Pay Traps, and the 24-Month Cliff Without Losing Thousands: The Practical Kitchen Table Guide t","description":"\u003cp\u003eIf you're on (or about to file for) long-term disability and Social Security just approved your SSDI claim... congratulations - and brace yourself.\u003c\/p\u003e\u003cp\u003eThat big back-pay check is about to arrive... right before your LTD insurer sends a letter asking for $20,000-$50,000 of it back.\u003c\/p\u003e\u003cp\u003eThis is the SSDI + LTD coordination trap that catches almost everyone by surprise.\u003c\/p\u003e\u003cp\u003eSSDI + LTD Coordination is the plain-English, kitchen-table guide that shows you exactly how the two systems are wired together - and how to protect your money before the fine print costs you thousands.\u003c\/p\u003e\u003cp\u003eWritten by a Physician Assistant with 30 years of clinical experience and a personal connection to chronic illness challenges, this guide cuts through the confusion most other books ignore.\u003c\/p\u003e\u003cp\u003eInside you'll discover: \u003c\/p\u003e\u003cp\u003e- The SSDI back-pay trap - and the four ways to minimize or avoid the massive reimbursement demand\u003c\/p\u003e\u003cp\u003e- Real offset math with actual numbers - exactly what you'll keep each month\u003c\/p\u003e\u003cp\u003e- How to survive the 24-month \"own-occupation to any-occupation\" cliff\u003c\/p\u003e\u003cp\u003e- The employer playbook (FMLA, COBRA, termination risk, and how to protect yourself)\u003c\/p\u003e\u003cp\u003e- Working while disabled - trial work periods, Ticket to Work, and the earning rules that won't kill your benefits\u003c\/p\u003e\u003cp\u003e- 50+ real questions answered from families who've already been through it\u003c\/p\u003e\u003cp\u003eWhether you're still working but struggling, just stopped working, already on LTD, or approved for one system and stuck on the other, this guide gives you the clear next steps you need right now.\u003c\/p\u003e\u003cp\u003eNo jargon. No fluff. Just honest, practical help you can use at your kitchen table - before the fine print costs you thousands.\u003c\/p\u003e\u003cp\u003ePart of the Kitchen Table Guide(TM) series - trusted, straightforward resources for real families facing hard situations.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Owen Hartwell\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798258657589\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 04\/24\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 110\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.45lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 10.00h x 7.00w x 0.23d","brand":"Owen Hartwell","offers":[{"title":"Paperback","offer_id":48997619433727,"sku":"9798258657589","price":9.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/ssdi-ltd-coordination-owen-hartwell-9798258657589","provider":"WR Book House","version":"1.0","type":"link"}