Long-Term Disability

Social Security Lawyer

According to the Social Security Administration, private disability insurance plans can fall under two general categories: short-term disability and long-term disability.

Short-term disability benefits are used to cover impairments lasting a short period of time and come into effect after a person’s sick pay is expired.
Long-term disability benefits generally apply to disabilities that are expected to last more than one year and are paid after short-term disability benefits end.

A person receiving payments for long-term disability, for the first two years, must not be able to perform his usual tasks at work. To remain on long-term disability after the two-year time period, the employee must be unable to perform any occupation or be unable to earn an income. Also, after the two-year time period, the employee receiving long-term disability is typically encouraged, if not required, to apply for Social Security Disability benefits.

If the employee’s condition meets the Social Security definition of disabled, an integrated insurance plan will be devised between the employee’s insurer and the Social Security Administration. With long-term disability and/or Social Security Disability benefits, the employee can receive both cash benefits and money for rehabilitation costs.

Free Consultation

If you have been denied Social Security Disability benefits and want a professional law firm that puts clients first, contact the Indiana injury lawyers at Fleschner, Stark, Tanoos & Newlin. Complete a free online consultation form or call us toll free at (800) 618-4878 to contact us today.