2 Types of Long-Term Disability Coverage

Long-term illnesses and injuries can cause people to lose the ability to work and provide for themselves and their families. Fortunately, the government offers financial assistance to those suffering from serious disabilities. However, it can be difficult to prove that you deserve this long-term disability coverage without the help of an experienced lawyer.

If you or a loved one has been diagnosed with an illness or injury that is supposed to last over a year, you may be eligible for long-term disability benefits from the Social Security Administration. For help with your claim, contact a knowledgeable Indiana social security lawyer of the Hankey Law Office by calling (800) 520-3633.

Two Forms of Long-Term Disability Benefits

The government offers two main forms of long-term disability benefits. There are different qualifications for each type of coverage, and an attorney can help you determine which form of coverage you need. The two long-term disability coverage options include:

  1. Social Security Income (SSI) – SSI funds come from taxpayer dollars. To qualify, an individual must show that they are disabled, blind, 65 years of age or older, and have limited outside income and/or resources.
  2. Social Security Disability Insurance (SSDI) – SSDI funds come from the money people have paid through social security taxes. To qualify for SSDI, an individual must prove he or she has a qualifying disability, which may be an illness, injury, or chronic health condition.

If you are facing financial difficulties due to a long-term disability, you may qualify for SSI or SSDI for monetary assistance.

Contact Us

For answers to your social security questions, contact an Indiana social security lawyer of the Hankey Law Office today at (800) 520-3633. We can help you understand your options for long-term disability coverage.