The risk of becoming disabled as an adult in America is real. How will you pay your bills? What benefit options are available for you?
There are some employers that offer Short Term Disability and Long Term Disability benefits to their employees. Private insurance companies also offer benefits at a monthly cost. Check with your employer to see if you have Short Term and Long Term Disability benefits.
Short Term Disability Benefits usually begin after a person has used their available sick time. Short Term Disability can be paid for both an injury or illness that is work related or non-work related. Short Term Disability policies differ in regards to the percentage of monthly income paid and the length for which one can receive benefits.
Long Term Disability Benefits begin when Short Term Disability benefits end. Long Term Disability payments are a percentage of your monthly income. Long Term Disability benefits can last until you reach age 65 or may terminate after a fixed period depending on the insurance contract language. Like Social Security Disability, Long Term Benefits can be paid for all types of Physical and Mental disabilities that keep you from working.
Claims for Short Term Disability and Long Term Disability are sometimes denied. If you have been denied your Short Term Disability or Long Term Disability you may want to speak with an attorney. Call our office today to discuss your Short Term or Long Term Disability.
Can I get Social Security Disability and Short Term or Long Term Disability?
To be eligible for Social Security Disability you must be unable to work for longer than 12 months. If you are receiving Short Term Disability and expect to return to work in less than 12 months you will not be eligible for Social Security Disability.
If you are receiving Long Term Disability benefits you may be eligible to receive Social Security Disability benefits too. Most Long Term Disability insurers will require that you also apply for Social Security Disability benefits or your monthly benefit will be reduced. In many instances, if you are awarded Social Security Disability Benefits your monthly Long Term Disability benefits will decrease. However, this does not mean that your total monthly income will decrease. Once you are awarded Social Security Disability benefits, you may have to pay back your Long Term Disability carrier from your back benefits. It is important that you understand your Long Term Disability policy.
Call now or complete the contact form. If you are receiving Long Term Disability benefits and you need to apply for Social Security Disability, the lawyers at Berger and Green can help!
