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Disability Insurance Blog

How do long-term disability benefits compare to SSD benefits?

If a person in New York becomes disabled for an extended period of time and cannot work, he or she may rely on private long-term disability benefits to make ends meet financially. However, the federal government also provides disabled workers with Social Security disability benefits, if the worker qualifies. Therefore, it is important to understand how private long-term disability benefits compare to Social Security disability benefits.

One thing to keep in mind is that private long-term disability programs and Social Security disability benefits define "complete disability" very differently. For example, in general in order to seek long-term disability benefits through a private policy, the applicant's disability must have kept the applicant from being able to work at the same job he or she had when the disability began. However, in order to seek Social Security disability benefits, an applicant must be entirely unable to perform any sort of job duties at any job for which he or she is qualified. This is a much stricter definition of disability.

What does short-term disability cover and when does it kick in?

It is known to most that that that workplace accidents in Garden City and nationwide can injure or kill workers, but the scope of the problem may surprise some. According to the AFL-CIO, as many as 150 workers lose their lives while at work each day, and annually there are between 7.4 million to 11.1 million workers who are injured on-the-job. In fact, the Council for Disability Awareness reports that one-quarter of workers in their 20s will suffer a disability before retiring.

So, if a person suffers a sudden injury or illness, it could mean missed time away from work, and missed wages which are desperately needed to afford their medical expenses and other bills. For this, reason it is best to be prepared for the chance that one could suffer a disability. One way to be prepared is through a short-term disability policy.

Planning the financial future? Don't forget long-term disability

Many people in Garden City have taken steps to protect their financial futures. They've saved for retirement and purchased life insurance policies in case they died young. However, one aspect of financial planning that sometimes goes forgotten is planning for the possibility that one will have to leave the workforce early due to a disability.

This is unfortunate, as many people may find that if they are unable to earn an income, they quickly go through what savings they have, if any. Moreover, applying for federal disability benefits can take years, and even once they are awarded they may not be sufficient to meet all of a person's financial needs. Therefore, planning for one's financial future should include planning for long-term disability.

We protect the rights of those with long-term disability claims

It only takes a split-second accident for a person in New York to become disabled. For some, it is due to a car crash, for some it's a fall, or for some it's through working with heavy machinery. When a person suffers a disabling injury, they may be very thankful that they have long-term disability insurance through their employer. However, navigating the long-term disability insurance landscape can be difficult.

This is because a long-term disability claim can wind up being very expensive for insurance companies. For example, if a person has car insurance, and their car is dinged in a parking lot, the issue is more or less simple. Damages to the vehicle and any related injuries are paid out, and then the incident is at an end.

The differences between short- and long-term disability policies

Many employers offer disability insurance as part of their sponsored insurance program. Workers may feel confused about the fact that there are both short-term disability policies, as well as long-term disability policies. Do people really need both? How do they differ? These are common questions, and understanding the answers can help you appreciate the value of both forms of insurance.

Long-term disability and short-term disability usually have different terms, different rates of wage replacement and offer non-overlapping protection. You could find yourself fully dependent on your disability insurance policy for income and even medical coverage after an accident or sudden medical event.

What are the timelines for an ERISA disability appeal?

When a person becomes too injured or ill to work, disability benefits can serve as a means for keeping them afloat financially. For those in Garden City who have disability benefits through their employer, it is important to understand that these benefits are protected by the Employee Retirement Income Security Act of 1974 (ERISA). There are laws and rules with regards to the processing of a claim for benefits and what a person can do if his or her claim for benefits is denied.

For example, decisions on disability claims must be made within 45 days of the plan receiving the request for benefits. However, if there are circumstances beyond the control of the plan, the plan may have an additional 30 days to make a decision.

Basics of short-term disability

When you are involved in an accident that takes away your ability to work and make a living, filing a disability claim can restore a portion of your income. There is not a single disability claim, however, that covers all instances. Making the decision between long-term and short-term disability is a complicated process that requires a full understanding of each type.

Short-term disability, as the name implies, is designed for those who are unable to work for short periods of time. Because these periods of disability are not long - most are covered for three to six months, although some are up to two years - they are among the most-affordable plans available. Short-term disability is also beneficial because of its quick start time. Typically, the coverage begins immediately after the injury or within two weeks. Also, short-term disability usually covers nearly 100 percent of an employee's income.

Why thinking about potential problems is important when preparing a disability claim

A lot can be at stake for an individual when filing a disability insurance claim. Now, when it comes to issues that could heavily impact their future, individuals may not like to think about the possibility of things going wrong. So, when getting ready to file a disability claim, a person may be tempted to just stay focused on the best-case scenario.

However, thinking about the potential problems that can arise in connection to disability claims and the possibility of a claims denial can be an important part of preparing to file such a claim. Having an awareness of what challenges and difficulties could arise during the claims process can allow a person to plan ahead to address them. This can help them avoid getting caught off-guard by aspects of this process. It could also put them in a stronger position to respond in the event that problems arise.

Did medical records play a part in your disability claim denial?

You've carried long-term disability insurance to protect yourself and your family from poverty in the event of a catastrophic accident or serious medical issue, such as a stroke. After years of paying for coverage, you found yourself in need of your policy. Whether it was a car accident or a sudden medical event, adjusting to permanent disability can take time. Unfortunately, getting medical help and making your home accessible are expensive.

When you can't work, it doesn't take long to drain your savings just trying to pay your necessary living expenses. If your inability to work is permanent, you could worry about buying groceries, paying your bills and even retaining your home. Long-term disability insurance should protect you from the worst-case scenario, but what happens when your claim gets denied because of an issue with your medical records or documentation?

Can you lose ERISA benefits for working another job?

You have a medical condition that made you unable to continue working in the same career you once did. For some people, a disability can start as a repetitive stress injury. For other people, disability can begin in an instant with a traumatic injury of some sort. When you become unable to work your job because of an illness or injury, your long-term disability insurance helps protect you against poverty. However, many long-term disability options include clauses that limit what you can do once your claim for benefits gets approved. In some cases, you may not be able to work any job in the future.

Long-term disability benefits are held to a particular standard under federal law. The Employee Retirement Income Security Act of 1974 lays out specific standards for policies and offers a baseline level of protection for policy holders. When a policy is governed by ERISA, the person who holds the policy and receives the benefits gets protected from unfair termination or denial of benefits. That also means that ERISA guidelines apply to any appeal made. Those who seek legal intervention cannot have a jury determine the outcome. In that way, ERISA may benefit insurers as well as the insured.

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10.0Justin Corey Frankel 9.8Jason Adam Newfield


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