How To Get Long Term Disability Benefits

Long term disability benefits may be available for your condition. Many people are injured or become disabled in another way and are unable to return to work for an extensive period of time. When this happens, you may need to turn to the Social Security Administration to find options for maintaining your financial health. The good news is that this program can be incredibly beneficial for those that qualify for it. The difficulty is qualifying for this type of benefit. It can be difficult to determine your qualifications, too. For this reason, be sure that you request more information from an attorney before you apply for these benefits.

One of the first questions you need to ask before you can apply for these benefits is if you qualify. The government has taken steps to increase the limitations on people who qualify for these benefits and who do not. In short, you must be chronically ill or you must have become disabled to the point of being unable to work to qualify for these benefits. There are many cases that may qualify for this, including having conditions such as dementia, depression, lung disease, heart conditions and even post traumatic stress disorder. Having the right condition is important here.

You will then need to prove that your condition is severe enough that you cannot work. If you were working, you must show that you no longer can find employment that takes into consideration your condition, even if you have special accommodations made for your particular case. It is often difficult to prove this on your own, but it is a critical step in showing that you are in fact disabled. The Social Security Administration publishes a Listing of Impairments. This document lists the specific impairments and limitations you may have to qualify for the use of federal benefits under these laws. If you do not have the limitations listed in this guide, you may be unable to collect benefits.

Once you have the ability to apply based on your qualifications to this point, you need to determine what your long term disability benefits will be. This differs in various ways, including based on the amount of money you have paid into the system, the length of time you have worked as well as your overall financial need. When all of these factors come together, the end result is the determination of how much you qualify to receive. Since each case is so different, it is important to discuss your options with an attorney before moving forward.

It is quite common for individuals to be denied benefits claims. This occurs for various reasons. Sometimes, denials are based on a lack of information provided. Other times, you may not meet the qualifications and requirements listed under the Listing of Impairments code. In other cases, your medical records may not provide sufficient evidence to back up the claim you are making. Because of this, you may face a level of difficulty in getting the benefits you need.

The good news is that you can appeal a no decision by the Social Security Administration. To do so, though, consider hiring an attorney who specializes in disability. This professional can help you to determine what long term disability benefits you may qualify for. If you have received a denial, your attorney can help you to determine how to repay your application to ensure that you are able to succeed through the process. Even if you do apply again on your own, you still must go through the process of telling the organization that you need these benefits and why you should receive them.