Disability Insurance Options: Protection Beyond SSDI and SSI
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) play an important role in protecting the financial security of individuals and families when a person is no longer capable of working due to injury, mental illness or other disabling conditions. Applying for Social Security benefits is a complex and lengthy process, and the best way to make the most of your options is to help your own cause by working with a Social Security Disability benefits lawyer.
But for many households, even the maximum Social Security Disability benefits will not entirely replace household income. For that reason, a primary breadwinner could consider acquiring a personal disability policy to fill the potential gap. If your current employer provides disability insurance for which you have optional levels of coverage, take an honest look at your present and future financial needs and adjust accordingly.
How Long Does It Take to Get Social Security Disability Benefits?
One important advantage of a private disability insurance policy is the timeline for receiving benefits. Even in a case where SSDI or SSI is approved at the first stage of the claims process, it can take many months to receive the first benefits check. Personal coverage can kick in much more quickly, but you still must be able to demonstrate that you have a disability with appropriate medical records and other information.
One other advantage of securing your own insurance against the possibility of a future disability: You can select an "own occupation" policy, which will provide benefits if you are unable to work in your current job or profession.
Exploring Your Options With a Social Security Disability Benefits Attorney
Even if you receive disability insurance or workers' compensation benefits under a personal or work-related policy, you may still be eligible for SSDI or SSI benefits. Every case is unique, and an SSDI lawyer can answer all relevant questions, including:
- Can I work while on Social Security Disability?
- Why should I consider a Social Security Disability attorney?
- Who is eligible for Social Security Disability benefits?
An experienced disability insurance attorney can help disabled clients understand their legal options, whether they have already been denied benefits by the SSA or are facing a worsening disabling condition and want to be fully prepared for future financial security.
Contact a New York SSDI lawyer at Schwartzapfel Partners P.C. today to learn what disability benefits options are available to you. With more than 150 years of combined experience on our side, we have the knowledge required to assess your situation and help you through the application and appeals processes. Call us at 888-801-1914 to schedule your free claim evaluation.
