Knowing which benefit to apply for when you’re suffering from an illness can be frustrating. Here’s some information about different disability types that can help you understand the benefit you should be requesting:
Short-Term Disability
Short-term disability is a benefit that many people get through their employers. Some people purchase plans from independent providers, as well. The policies pay a benefit amount of about 66 percent of the insured person’s usual paycheck. The qualification criteria are not that challenging for such policies. Applicants just need to prove that they are ill and unable to work through the presentation of medical documentation.
Long-Term Disability
Long-term disability is the same as short-term disability. The only difference is the length of time it covers the insured person. STD benefits usually last up to six months. LTD benefits may take over once the STD runs out, and it can cover an insured person for a year or even longer.
Social Security Disability
SSDI is a government benefit for people who have worked for many years and earned enough credit to qualify. SSDI qualification criteria are very extensive. Most people need the assistance of a good SSD lawyer in Lackawanna to get approval. To qualify for SSDI, the illness must be listed on the SSA’s website. The illness or injury must also be a long-term ailment that doctors expect to last longer than a year. The illness or incident must also disrupt the sufferer’s life drastically. An SSD lawyer in Lackawanna can help to get an applicant approved for the benefits.
Contact Leventhal, Sutton & Gornstein if you are suffering from an illness or injury and believe you might qualify for SSD.
