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Understanding Social Security and seeking benefits for a disability is a complex, overwhelming process filled with pitfalls. A qualified guide can help you navigate the obstacles and avoid common mistakes (like filing an appeal on the last possible day).
Social Security disability and long-term disability insurance serve much the same purpose and go hand-in-hand. When Social Security taxes come out of someone’s paycheck, that payment goes into two systems; the Social Security retirement system, and the Social Security disability insurance program. The latter is intended to accelerate a person’s retirement age if they are found to have an official disability. This means that a disabled person may begin receiving the benefits they would usually begin receiving after retirement, generally including a monthly benefit check, and eventually qualification for medicare.
Long-term disability insurance is a policy some people have through their employer; this insurance is intended to be supplemental in conjunction with Social Security disability benefits. If a long-term disability insurance policy would have paid a policyholder $3,000, but Social Security benefits provide $1,000, the insurance provider would then only have to pay the remaining $2,000. In this way, what a disabled person may receive from both Social Security disability and long-term disability insurance varies depending on the coverage offered by the other.
Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.
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