Do You Have a Long Term Disability Claim?
When you become disabled and unable to work the situations you are put in can be overwhelming and stressful for you and your family.Long-term disability was put in place by the Social Security Administration in order to provide benefits to people who suffer from a long term disabling medical condition.
A majority of times long-term disability benefits are provided by employers as part of their employment benefits package. Long-term disability benefits may also be obtained through an individual policy purchased from an insurance company.
Eligibility for Long-Term SSDI Benefits
Long-term disability benefits are available through two programs:
- Supplemental security income (SSI) – provided stipends to low-income individuals who are 65 or older, blind, or disabled.
- Social security disability insurance (SSDI) – this program pays monthly benefits to people with limited income and resources who are 65 and older, blind or disabled.
The main difference between each program is that SSI is an income-and-means based program that has less resources and lower monthly incomes where as SSDI is a form of insurance that workers receive eligibility through work credits.
What types of benefits can you receive?
SSDI is based on your work history, in addition to earning eligibility during the time you work and pay into social security, your SSDI benefit is calculated based on what you have earned. Each person’s monthly benefit is based strictly upon how much that person has earned and how long he/she worked.
SSDI benefits can range from $300-$2,200 monthly.
Other long term benefits
If you are eligible for SSI or SSDI, you may also be able to obtain other benefits in addition to your monthly income. Health insurance is one of the most important benefits to have besides other long-term benefits.
If you are approved for long-term benefits such as SSI you are most likely able to qualify for Medicaid benefits as well. Medicaid is a state-run government insurance that people with limited income are able to obtain.
If receive SSDI benefits, you may become eligible for Medicare as opposed to Medicaid – this is after a 24 month waiting period passes. Medicare is known for providing coverage for the elderly.
How long can your benefits continue?
SSDI long-term disability benefits usually continue until the time of your retirement. As you reach retirement age, you become eligible to start collecting social security benefits for the elderly.
Provided you remain within the SSA’s standard definition of “disabled,” you will continue to receive an ongoing or long-term basis of benefits through SSDI. If necessary, a periodic review may occur in order to ensure that you still qualify as disabled. After a trial work period along with an extended eligibility period has ended, if you earn a certain income, you can become disqualified for benefits.
Help for the Disabled
The qualification process for long-term disability is a lengthy and confusing process that requires one to meet proper deadlines.
To ensure you have the best chance of being approved, contact The Attorney Injury group, we have lawyers who are highly experienced in disability claims and will work to ensure your approval for benefits. If your benefits have stopped and you believe they should continue, then we can help. Give us a call today to learn more about how we can assist you.
The Attorney Injury Group will fight aggressively to protect your rights. If you or a loved one are filing a long term disability claim call the experienced long term disability attorneys at the Attorney Injury Group for help. Call us today at 617-934-7000 for a FREE, confidential consultation. When you call our experienced Massachusetts personal injury lawyers, we will investigate every detail of your accident at no cost to you.
At the Attorney Injury Group, you will never pay an attorney’s fee up front and we don’t get paid until you do. Call today to learn how we may be able to help.
Call The Attorney Injury Group For Help, Fighting For You Is What We Do!