Social Security Benefits and Long Term Disability

Certain individuals who unexpectedly become disabled may be eligible to receive cash benefits from the Social Security Disability Insurance (SSDI) program. This disability, however, should be total or permanent and renders a person unable to to perform the work that he/she did before being disabled, renders a person unable to perform any other type of work, and can either last for more than a year or result in death.

The Social Security Administration (SSA) does not grant cash benefits to those who suffer short-term disabilities despite the possibility that this type of condition can also last for a number of months. SSA assumes that individuals who sustain short-term disabilities can receive cash benefits either from the Workers’ Compensation Insurance program or from their personal short-term disability insurance providers. Workers’ Comp is the immediate source of financial support for workers who sustain injuries or an illness that is work-related. Short-term disability insurance, meanwhile, may be personally purchased by an individual himself/herself or it may be included in the package of benefits that employers provide for their employees.

Social Security disability refers to any condition that will make it impossible for an individual to have a full-time job. While the SSA has an impairment listing manual, more familiarly known as the “blue book,” which contains serious types of disabilities (if a member’s disability is included in this listing, then he/she may automatically qualify for the SSDI cash benefits), any impairment that is equally serious, but is not included in the list, may still qualify a member to receive the cash benefits.

An illnesses, such as migraine headache, that is too severe so that it becomes impossible for an individual to have a full-time job is also very likely to be determined by the SSA as a qualifying disabling condition.

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