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Long Term Disability

Understanding Long-Term Disability

Long-Term Disability Statistics

According to a report by the U.S. Census Bureau, you have a one in five chance of becoming disabled. According to the Council for Disability Awareness, the average long-term disability suffered in our county results in an absence from work of 2.5 years. This is a long time to go without a steady income, and many disabled workers are under severe financial stress.

Social Security Disability Insurance (SSD) does not cover short term disabilities. You must be unable to work due to a permanent condition in order to qualify for SSD. As a result, many of our clients want to know, "How does the SSA define a permanent or long-term condition?" Simply put, in order to qualify for SSD benefits your disability must have lasted, or be expected by medical professionals to last, at least 12 months.

In addition to this requirement, you must be unable to earn more than $1000 per month in income. Lastly, you must have also paid into the system and earned sufficient "credits" in order to meet the basic qualifications of the SSA. It should be noted that with younger persons under the age of 22, a parent's work credits can be applied. Disability for children is also possible under certain circumstances. A Reno Social Security disability attorney from DAA can answer all of your questions concerning Social Security Disability and it will cost you nothing for a consultation.

Considering Your Work Options

People are sometimes confused by the 12 month qualification and mistakenly think that they cannot apply until they have been disabled for a full year. This is not the case. If you are unable to work for any reason, meeting with us to review your situation will enable us to inform you of your options and how we can help. Many people are also unaware that they can work part time while collecting benefits or that it is possible to get SSD benefits even if you are collecting workmen's comp. You must also keep in mind that if you are back to work, we may be able to help collect for the years you were not working.