Disability Attorney Advice: Difference Between Short and Long Term Disability

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A Disability Attorney Can Help With Short and Long Term

A Disability Attorney Can Help With Short and Long Term Disability

Depending on your situation, you may need either short or long term disability. Most employers provide these insurance policies, so make sure you’re integrated into that system. If not, you have no case for disability benefits. Short and long term disability differ in key ways, so make sure you’re consulting with your disability attorney to determine which one makes the most sense for you to receive.

Short-Term Disability

Short-term disability is obtained when your disability isn’t expected to keep you out of work for long. It pays a portion of your income until your sick leave runs out. Typically, short-term disability will go on for a maximum of a year. Both short and long-term disability are covered by private insurance companies and not the government. If your employer doesn’t include disability insurance in their benefits, make sure to inquire about it or find an insurance company to get yourself a plan. You don’t want to be caught unaware.

Long-Term Disability

After your sick leave and short-term disability runs out, you’ll begin to receive long-term disability. Long-term disability applies to any disability that would put you out of work for longer than a year. It can last indefinitely depending on your condition. Eventually, your long-term and short-term disability will stop, and this is when you’d want to consider filing for Social Security disability benefits. Your disability attorney can help you determine these matters.

Social Security Disability Benefits

Social Security disability benefits are not the same as short and long-term disability. These benefits are funded by the government. You can apply for Social Security disability benefits while you’re receiving short or long-term disability payments, but your short and long term payments may be reduced if you’re approved for Social Security benefits. Your disability attorney can advise you as to whether this is worth it or not.

Contact a Disability Attorney

A disability attorney can help guide you through the process of filing for disability and obtaining the disability benefits you’re entitled to. A disability attorney can recommend what type of disability benefits you need and help you secure them in the most efficient way possible. Don’t try to navigate these tricky legal waters alone. We know how to handle any kind of disability situation and we can help you with the entire process. Contact RGG Law to schedule a free consultation with a disability attorney.

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