Long-Term Disability Examples Vs. Short-Term Disability Examples: An Educational Comparison

Law Blog

Long-term disability attorneys see a lot of potential clients only to find out that these individuals do not fit with the definition of "long-term disability." There are short-term disabling conditions and long-term disabilities. Knowing and understanding the differences helps you determine if you should see a lawyer, and helps the lawyer choose which cases he/she can adequately fight for. The following will help you understand what a long-term and a short-term disability are, as defined by the courts and as defined by the disability insurance companies. 

Short-Term Disability

A short-term disability is any disabling condition that is not expected to last more than a year. More specifically, disability insurance companies look at short-term disabilities as any condition that will not last more than six months, although certain conditions, such as pregnancy complications and post-delivery of a baby do count as a longer short-term disability. Hence, if you are expected to make a full recovery in the coming months, but you are unable to work now because of your physical limitations, that is a short-term disability. 

Long-Term Disability

A long-term disability is any condition that impedes your ability to work for more than a year. The condition may be permanent, resulting in an inability to work indefinitely or an inability to work without major modifications to the job you were doing before you were injured and/or became disabled. A long-term disability is also defined as a disability when you cannot work a vast majority of the jobs available in the current workforce. Usually this guideline refers to eighty percent of available jobs, although many disability companies may define this differently. In short, a long-term disability is one that may never end, and you are unable to work at all. If this definition applies to you, you can meet with a disability attorney to see what steps you should take next.

If You Do Have a Long-Term Disability, There Are Other Programs That Can Help

While you are waiting for your lawyer and the long-term disability insurance company to work things out, there are other programs that can help. Having a legitimate disabling condition that will affect you for the rest of your life, you may also qualify for Social Security Disability benefits. Ask your lawyer if he/she can help you apply for and acquire these benefits from Social Security. 

For more information, contact companies such as Law office of Alis E. Troya.


10 October 2019

Every Business Owner Needs to Be Well-versed in Law

While I took a few business classes in college, I left early to start my own business. I thought I had the knowledge I needed to become a great business owner and was eager to start my business. Soon, I had a new business that was actually performing pretty well in sales. Unfortunately, I hadn't taken any law courses in college, and I soon realized I made a few mistakes when starting my business that could cause me some legal trouble. Thankfully, a great business lawyer helped me correct my mistakes before I had any legal problems, but I then decided to take those business law courses. I want to help business owners and anyone else who would like to learn more about the law by starting a blog where I will share what I have learned and will continue to learn. I hope I can help you!