This is a question that comes up all the time. In this article we will go over what long-term disability and social security disability are and then describe how they are different.
SSDI – is disability coverage offered through the government. The program, which you pay into your entire adult working life, provides you with a stream of income should you ever become disabled and your disability prevents you from working.
LTD (Long-Term Disability) – is an insurance policy that also provides for you should you become disabled and are unable to work. However, this coverage is through an insurance company, not the government. Many people have this coverage through their workplace insurance.
How are SSDI and LTD Different?
SSDI requires that the applicant displays total disability. There are contradicting opinions as to what total disability is and this reason alone is why it is a good idea to have a qualified attorney representing you. Its a fact that around 70% of initial SSDI claims are denied.
LTD is less stringent on qualifying a person for total disability. They are less concerned that the receiver of the benefit is totally unable to perform work. If you are hurt at work and unable to perform that job any longer and are covered by an LTD policy, chances are that you will be receiving benefits.
Is it a Good Idea to Have Both?
Definitely. If you are paying into the social security system, you are automatically enrolled. An LTD policy may be offered through your employer or through an independent insurance agent. LTD is especially important if you have an occupation which involves manual labor and risk of harm,ie., truck driver, construction, day laborer, roofing, basically any employment where you are active.
The bottom line is that hiring an attorney to help with your SSDI case improves your chances greatly. If you have been rejected for SSDI benefits there is still an appeals process and a qualified attorney can still help.