Long-Term Disability Basics

Long-Term Disability Basics

Sep 18

Becoming injured or ill on the job can mean that you have to take time off from work in order to recover. If this time off lasts for a long period of time, it can lead to a significant blow to your finances because of medical bills and lost wages. However, injuries or illnesses that prevent someone from working for more than a year are considered long-term disabilities, and can make you eligible for Social Security disability benefits in Texas.

Most long-term disability claims are due to an illness. Cancer, heart problems, psychiatric problems, or musculoskeletal or neurological disorders are typical illnesses that require long-term disability benefits. However, having a certain illness or injury is not enough to qualify you for long-term disability. There are a variety of different requirement you have to fulfill in order to successfully apply for disability benefits. For example, you must have worked full-time for an employer for a certain amount of time. Long term benefits are available only after short term disability runs out, and is paid through your employer, a group plan, or an individual insurance plan.

You can still be denied benefits even if you met the requirements of filing for long-term disability. In the event of denial of benefits, you would need to file for an appeal. Filing for an appeal can be a daunting task. However, choosing to hire a lawyer for your appeal can be more beneficial that filing on your own because they can ensure timely filing, correct problems with your initial application, and effectively manage the appeal application process. If you or someone you love has a condition that prevents you from working, pursuing Social Security disability benefits may offer the financial assistance you need in order to prevent a deteriorating financial situation.

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