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Our Baltimore Social Security Disability Lawyer Explains SSDI vs. Long-Term Disability

February 5, 2021 Disability

There are various disability benefits available to disabled individuals who are unable to engage in substantial gainful activity.  Some are available through the federal government, while others are available through work or private insurance. The federal government provides disability benefits to qualifying disabled individuals.  The Social Security Administration (SSA) administers the federal disability programs and helps individuals with a qualifying disability receive some financial assistance if they have earned enough work credits.

The process for applying for disability benefits can be complicated. A Baltimore Social Security disability lawyer at the Law Office of Emmett B. Irwin can help answer some of your questions regarding disability benefits. Below is an explanation of the difference between the Social Security Disability Insurance (SSDI) program and Long-Term Disability. 

What is Long-Term Disability?

Individuals can often choose between short-term and long-term disability insurance options.  These types of disability policies often have an “elimination period” in which an individual must wait before he or she can begin receiving disability benefits. 

Short-term disability typically covers an individual who becomes ill or injured and cannot work for a shorter period of time.  LTD insurance policies may cover an individual for a longer period of time than the short-term disability policy and often will pick up where the short-term disability policy ends.  If you have questions about what your LTD policy covers, a Baltimore Social Security disability lawyer can review your policy and explain what coverage it can provide for you. 

Contact a Baltimore Social Security Disability Lawyer Today for a Free Consultation

If you have questions about the disability benefits that may be available to you or a loved one, contact a Baltimore Social Security disability lawyer today who can help answer your important questions. You can call the Law Office of Emmett B. Irwin at 443-839-0818 or complete our online form. We can answer the questions you have about your disability benefits.  We work with clients throughout Maryland and surrounding states.