A group disability policy integrates with Social Security disability benefits. Under Pennsylvania's coordination framework, how is the federal social insurance program handled?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Group disability policies commonly integrate with Social Security disability benefits — a federal social insurance program named here in words only — by counting the expected social insurance amount in the coordination calculation as the policy specifies. Pennsylvania's framework for group disability coordination, applied with the workers' compensation principles of 77 P.S. § 511 et seq. and supervised by the Pennsylvania Insurance Department, permits that integration: the federal program feeds the calculation, but the policy's coordination provision and Pennsylvania's rules still govern how the group benefit is paid.
Why the other options are wrong
- A) Eligibility for a federal social insurance program does not void a private group contract; it merely enters the coordination math.
- B) No program doubles another's benefits; integration means counting the social insurance amount, not multiplying it.
- C) Federal law does not forbid coordination; group policies routinely integrate the Social Security amount as their provisions specify.
Memory hook
Social Security counts, Pennsylvania rules govern: integration by arithmetic, not by preemption.