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The Difference between Social Security Disability and Short-Term Disability

On Behalf of | Jan 5, 2017 | Social Security Disability (SSD)

Social Security disability benefits are not designed to be short-term, so you cannot get temporary disability benefits. It’s important to recognize the difference between Social Security disability benefits and short-term disability benefits.

Who gets Social Security disability?

– For people who only earn a limited amount of income.

Applicants for Social Security disability must earn less than $1,950 per month. If you earn more than this amount, you won’t qualify for disability status.

– For people with severe conditions.

Social Security only considers an applicant’s severe physical or mental condition. For example, this occurs if the condition impairs basic work activities, you have a severe condition.

– For people with a severe condition that lasts certain duration.

Doctors conclude that the applicant’s condition must expect to last at least 12 months or result in death.

– For people with certain medical conditions.

In order for an applicant to meet qualifications to receive Social Security disability benefits, this person must have a condition that is listed here.

– For people that can’t complete past work or can’t perform work even with adjustments.

If the applicant is still able to have the mental and physical capacity to do the same work that this person did in the past, the SSA does not consider someone disabled. If the person still cannot complete other work, then the agency believes someone has a disability.

What is short-term disability?

– For people with temporary conditions.

Short-term disability benefits are for temporary medical conditions that are only expected to last a certain amount of time.

– For people that don’t have a severe condition.

Short-term disability is for those who are expected to recover.

– Also called cash sickness benefits.

Temporary disability insurance provides workers with partial compensation for lost wages during the time they are unable to work.

– For people who meet a certain employment history.

In order to qualify for benefits, an applicant needs to have worked for a certain amount of time or earned a certain amount.

– Most people are covered by private plans.

Workers become insured when they start their employment or after a probationary period. This period is usually between one and three months. Workers may lose their coverage if they stop working. After this they will have to look to their state agencies for assistance.

– Coverage duration varies.

The duration of coverage varies between 26 and 52 weeks. This depends on the length of employment as well as the total amount of base period earnings.

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