Understanding the Basics of Disability Benefits

Disability has become fairly common place over the past 10 years. Disabilities can come in mental and physical forms. Some are born with a disability but most people develop their disability during the course of their life.

Even with great qualifications, disabled individuals face an uphill task when looking for a job. Governments usually provide disability benefits for the disabled. These benefits help disabled people to get some kind of financial stability and better control their lives.

Long and Short Term Benefits

Disability benefits fall into 2 categories: long-term and short-term. Depending on your medical condition, you might qualify for both disability benefits via your employer. You can claim the benefit on an individual basis through and insurer if your employer doesn’t provide the disability insurance policy.

The law requires a 7-14 day waiting period for short-term disability which is followed by up to 6 months of benefits. Usually, short-term disability claims provide funds while you are awaiting approval for long-term disability claims.

In other words, short-term disability insurance covers your bills for a shorter period of time. It will protect you against the costs of minor injuries or illnesses however it cannot provide support for major accidents or impairment.

Long Term Support for Wheelchair Users

On the other hand long-term disability claims don’t kick in until after 90 days of being disabled. You will be able to get the benefit for 5 or 10 years or until you retire depending on how you fill out the disability claim. In the majority of cases, the long-term disability program supports those who have a tough time managing their medical bills as well as their daily expenses due to their disability.

Filling out a disability form is fairly standard for most insurance companies. They require the fully completed claim form, a medical test, a telephone interview and proof of income from your tax returns. The approval of a long-term claim takes on average around 3 to 8 weeks.

Disability Claims for Benefits

The Social Security Administration has some strict guidelines with respect to application, documents and eligibility etc. This can make filing the disability claim confusing and stressful. It might be best to hire a lawyer who is experienced with disability claims because there are many factors that can affect the outcome of your claim.

A lawyer will know how to guide you through the procedure and represent you in court if necessary. They will help you gather all the necessary documents and will increase your odds of getting your claim approved.

 

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