When we talk about disability benefits, most of us think about people who are disabled for a long time or permanently. Many people are unaware that they can get disability benefits for short-term issues, as well. Disability issues can turn anyone’s life upside down, even temporarily. Short-term disability benefits allow people to effectively conquer severe circumstances for a short duration before they can return to work. This post will provide essential details about short-term disability benefits and the requirements to qualify.
If you a non-job-related accident, injury, illness, or disease causes you to become disabled, you may be eligible for income replacement or compensation. It is called short-term disability. By its name, it is clear that it can compensate you for only a short while.
So, you may also wonder why your disability cannot be job-related. This is because you may be eligible for workers’ compensation if you become injured during work or while on work premises. It is easier to acquire than short-term disability benefits, and it may provide more comprehensive coverage.
Long-term disability or impairment can negatively affect your financial condition, because it prevents you from working or otherwise earning money. It can also affect your family. Through the Social Security Administration (SSA), you may be able to seek financial assistance, but only if you have previously worked and paid taxes into the system. There are other rules that may apply, as well.
If you expect your disability to last only a short time but still required financial assistance, you can apply for short-term disability benefits through different means. SSA does not provide short-term disability benefits. So, what is it and how does it work?
The first step to applying for short-term disability benefits is seeking the application form for state disability insurance or temporary disability insurance (SDI/TDI). You can request it from your state’s labor department or employment department website. Additionally, you can ask your company’s human resources department for the application.
After you complete the application, you can file your short-term disability claim. You will fill the specified required sections, and your doctor and employer to do the rest. They will add information about your disability and your job.
Another essential factor for receiving short-term disability benefits is that you must have a job after your short-term disability period ends. Your state’s medical leave law, the federal Americans with Disabilities Act, or the federal Family and Medical Leave Act can help to preserve your job while you are on disability.
Most disability laws are designed for long-term disability issues. According to the rules, if you qualify for disability as per the listings of the SSA’s blue book, you may be eligible for Social Security disability insurance or Supplemental Security Income.
The rules for qualifying for short-term disability are entirely dependent on the laws in your state. However, the following points can provide a bit of insight into the process:
There could be times when it can be tricky to apply or qualify for short-term disability benefits. A Social Security attorney or a lawyer who focuses their practice on disability claims can help you determine how to proceed. It is important to ensure that the lawyer with whom you speak is well-versed in your state laws. An experienced attorney can help you to understand the benefits to which you are entitled.
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