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A long-term disability is a serious condition that prevents a person from working for an extended period of time. These disabilities are typically covered under long-term disability insurance policies or through Social Security Disability Insurance (SSDI). For residents of Connecticut, dealing with a long-term disability can have a significant impact on finances, daily life, and overall well-being. These disabilities may stem from illnesses or injuries—often due to accidents or other unforeseen events. Fortunately, laws exist to protect individuals with long-term disabilities and to provide them with the support they need.
To qualify as a long-term disability, you must have a medical condition or injury that prevents you from performing your job or any other type of work for an extended period, usually 12 months or more. Common examples of long-term disabilities include:
This list is not exhaustive—other conditions may qualify as well. The key factor is whether the condition prevents you from working in your current role or transitioning to another type of employment. If this applies to you, you may be eligible for disability benefits to help cover your living expenses.
Understanding the difference between long-term disability insurance (LTDI) and Social Security Disability Insurance (SSDI) is crucial when seeking financial support:
LTDI is typically offered as part of an employer-sponsored benefits package or can be purchased privately. This type of insurance provides monthly income if you are unable to work due to a disability. While LTDI is generally easier to qualify for than SSDI, it often requires paying higher premiums—ranging between 1% and 3% of your annual income. Nevertheless, it can cover a significant portion of your regular income, making it a valuable safety net.
SSDI is a federal program funded through Social Security taxes, which are automatically deducted from most workers’ paychecks. Unlike LTDI, SSDI is available to almost everyone who has contributed to Social Security during their working years. However, qualifying for SSDI can be quite challenging, as the Social Security Administration (SSA) applies a strict definition of disability. To qualify, you must prove that:
Even if you meet these criteria, many SSDI applications are denied due to insufficient evidence or other technicalities. If your application is denied, the appeals process can take years. That’s why it’s critical to work with an experienced Social Security Disability attorney to improve your chances of approval.
In some cases, you may be eligible for both LTDI and SSDI benefits. Many private insurance companies require you to apply for SSDI while using their coverage. If approved for SSDI, the benefits can help offset the amount paid out by your LTDI policy. Navigating these benefits can be complicated, so it’s best to consult with a legal professional to explore all your options and maximize your benefits.
Dealing with a long-term disability can be overwhelming, especially when you’re trying to secure the benefits you need to support yourself and your family. At Bert McDowell Injury Law, we understand how important these benefits are to your livelihood. Our team can help you with every step of the process, from filing an initial claim to appealing a denial. We are dedicated to protecting your rights and ensuring you receive the support you deserve.
Don’t navigate this process alone. Let us help you secure the benefits you need. Call us today at 475-231-3274 for a FREE consultation, or fill out the contact form on our website to get started.
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