If the person self-managing their own care resources receives funds in payment for the management responsibilities, then it is possible this could be deemed to be self-employment income that could possibly be deducted from LTD. If the money simply flows through to the care providers, then I can’t see how it would be deductible from LTD payments. The issue you run into with LTD is whether the skills required to manage this program would be sufficient to do paid employment as well – my guess is that in most cases being able to manage this program would not necessarily demonstrate ability to do paid employment. It is the kind of thing, however, you want to tell the LTD insurance company about so you are completely transparent with them.
David Brannen
Disability Lawyer with Resolute Legal
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