Social Security Disability

Consult a Disability Attorney for Legal Advice

Understanding Social Security and seeking benefits for a disability is a complex, overwhelming process filled with pitfalls. A qualified guide can help you navigate the obstacles and avoid common mistakes (like filing an appeal on the last possible day).

Social Security disability and long-term disability insurance serve much the same purpose and go hand-in-hand. When Social Security taxes come out of someone’s paycheck, that payment goes into two systems; the Social Security retirement system, and the Social Security disability insurance program. The latter is intended to accelerate a person’s retirement age if they are found to have an official disability. This means that a disabled person may begin receiving the benefits they would usually begin receiving after retirement, generally including a monthly benefit check, and eventually qualification for medicare.

Long-term disability insurance is a policy some people have through their employer; this insurance is intended to be supplemental in conjunction with Social Security disability benefits. If a long-term disability insurance policy would have paid a policyholder $3,000, but Social Security benefits provide $1,000, the insurance provider would then only have to pay the remaining $2,000. In this way, what a disabled person may receive from both Social Security disability and long-term disability insurance varies depending on the coverage offered by the other.

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