Social Security Disability Versus Long Term Disability Benefits

There are many different forms of financial relief for people living in the United States who get sick or injured and cannot continue going to work to earn a living. You need to know your options in case you need support to cope with the effects of a serious illness or injury that might leave you unable to work for over a year. Getting the financial assistance that you need and to which you are entitled can offer some comfort in an otherwise difficult time.

Two of the most common sources of disability benefits are Social Security and long-term disability insurance. If you have been denied Social Security disability benefits, you need an aggressive attorney to help you to appeal the denial. To speak with a qualified attorney about your legal options, contact the Indianapolis Social Security disability lawyers of the Hankey Law Office at 317-634-8565. We will help you appeal or reapply for benefits and fight for the financial relief you need to live.

Differences between Social Security and Long-Term Disability Benefits

As you consider filing a claim or appealing a denied claim that you have already filed, it may be helpful to ensure that you have an appreciation for some of the important differences between SSDI and LTD insurance. These include::

  • Social Security disability benefits (SSDB) is a government operated entity that requires you to apply for benefits when you get injured or develop a condition whereas long-term disability benefits are offered by private insurance companies.
  • SSDB pays cash to those expected to be out of work for at least a year

Long term disability insurance is typically purchased through your employer’s insurance company and is likely to issue payments between 50 and 66 percent of your salary.

Contact Us

If you have been denied Social Security disability benefits or would like help filing a claim, contact the Indianapolis Social Security disability lawyers of Hankey Law Office at 317-634-8565 today and take control of your future.