LONG TERM DISABILITY
An injury or illness outside of the workplace can be catastrophic to a family’s financial well-being.
When someone is injured at work, worker’s compensation will generally be there to help you make ends meet financially, at least for a short term. If your injury is long term, worker’s compensation may also provide benefits for a while but you may also have the option of applying for Social Security Disability Insurance (SSDI).
With that said, worker’s compensation will only cover an injury you’ve sustained on the job. So, if your injury is determined to be a long term disability that occurred anywhere other than the workplace, applying for SSDI becomes your best option. Unfortunately, obtaining benefits for a long term disability through SSDI can be a difficult, long process. Not every injury or illness is clear cut and obvious to others. For that reason, when you are applying you will be required to prove that your injury exists and that is preventing you from working.
What is a long term disability?
A long term disability is one where a physician determines that you are unable to perform the essential tasks of your job due to illness or injury.
Doesn’t Social Security Disability (SSDI) and Workers Compensation cover long term disability?
Both SSDI and Worker’s Compensation are disability benefit programs meant to help someone who is injured and can no longer work. That said, there are some differences between the two programs. Understanding these differences will help you understand what you may be eligible for.
Worker’s Compensation is available:
- To you from your first day of employment.
- For both short and long term disabilities.
- Only if your injury or illness was sustained at work.
SSDI is available:
- To workers who have paid in to the program for a specific number of years.
- Only to workers with long term disabilities.
- Only to workers who cannot do any other jobs because of their injury or illness.
- For injuries or illnesses sustained, regardless of whether or not they happened at work.
- After a 5 month waiting period.
For more detailed information about the differences between these two programs, visit ssa.gov.
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When my Dad passed away, we had no idea where to begin. We called Jeffrey Freedman's office and the staff were absolutely wonderful. We were very pleased with all the information and time that Colleen and Courtney spent with us. They were very helpful and informative.Mary
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What can I do to protect myself and my family?
Many individuals opt to get a long term disability insurance policy. A long term disability policy can help replace your lost wages if you are unable to work because of an injury or illness for an extended period of time. Some companies offer these types of policies to their employees. Many times, employees have long term disability plans as part of their benefits package and don’t even realize it! If your company doesn’t offer this type of coverage, or if you’re self-employed there are private companies that you can work with to get a policy in place. With this in mind, getting a long term disability plan in place is something you’d need to have prior to being injured.
Frequently Asked Questions
Everyday millions of Americans find themselves facing a long term disability that prevents them from working. A situation like this can be catastrophic to your financial health and we’ve helped thousands of clients just like you secure the benefits they need to get through this tough time. Throughout the process of winning long term disability cases, our clients ask many of the same things, so we’ve compiled a list of frequently asked questions. If you don’t find the answer to your question here, feel free to contact us.