Differences Between Social Security Disability and Long Term Disability Insurance

April 4, 2014

When a person is unable to work because of a mental or physical condition, several options may be available to help assist with his or her lack of income. The Social Security Disability Lawyers with Fleschner, Stark, Tanoos & Newlin explain that knowing the differences between these different options can be crucial in understanding which benefits will be most beneficial.

The two main options are Social Security Disability benefits or  long-term disability insurance benefits. One of the main differences between these two options is the duration of time in which the benefits will be offered. Long-term disability benefits may last only several weeks or months, while Social Security Disability payments continue until the Social Security Administration deems the claimant no longer disabled.

Other differences may include the ancillary benefits that accompany either option. For instance, an individual who receives Social Security Disability may also qualify for medical benefits through Medicare.

Fleschner, Stark, Tanoos & Newlin know the nuances that differentiate these two programs and encourage anyone considering applying for disability benefits to discuss their legal options with an attorney as soon as possible.