When dealing with health issues, most employees will attempt to tough it out for as long as possible to avoid taking paid (or unpaid) days off or resigning. However, when their conditions cause them pain, impede their work, and prevent them from carrying out their everyday tasks, the next step is to make a disability […]
What Qualifies as a Disability?
For most long-term and short-term disability claims, employees’ insurers require that disabled workers file for Social Security Disability Insurance (SSDI). This way, they can offset the amount of money you receive from Social Security against the LTD/STD payments. SSDI has two primary criteria for what qualifies as a disability: 1) You must be entirely unable […]
What Qualifies for Long-Term Disability?
Long-term disability typically pays for 50 percent to 70 percent of employees’ salaries for about five to ten years or until they turn 65. Although pre-existing conditions are not usually covered, various injuries and illnesses that can prevent employees from performing their occupational tasks include personal injuries from accidents, mental health issues, musculoskeletal disorders like […]
What is the Difference Between Social Security and SSI?
Although both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are both managed by the Social Security Administration (SSA) and involve supplemental income, these programs are very different. The leading difference between SSDI and SSI is that Social Security is available for those who have accumulated an adequate number of “work credits” based […]
How to File a Disability Claim
If you have a disabling event that prevents you from performing the usual tasks of your job, then it is imperative that you immediately apply for disability benefits through your employer’s insurance provider (and, in many cases, through the Social Security Administration, or SSA). First, you should review your employer’s disability policy to determine if […]
A Rundown of Parkinson’s Disease: Symptoms, Complications, & Causes
Parkinson’s disease is a progressive and chronic nervous system disorder that primarily affects movement. It is a fairly common disorder, affecting over 200,000 Americans each year, and occurs more frequently in male patients, usually 60 years old or older. Although many Americans develop Parkinson’s disease, not much is known about the disease — there is […]
What is Multiple Sclerosis? An Overview of Symptoms & Causes
Multiple sclerosis (MS) is a typically-progressive and chronic disease affecting the central nervous center caused by a malfunctioning immune system. The immune system mistakenly attacks and destroys the myelin sheath of nerve cells which serves as a protective covering and assists in the transmission of signals. MS effectively slows or blocks signal transmission, eventually causing […]
Debilitating Back Pain: Causes, Symptoms, and Reasons to Apply for Disability
Back pain is a widespread problem for working men and women. Although back pain can appear and go away in a matter of days with compresses, rest, and proper body mechanics (i.e., picking up packages with legs rather than lower back), sometimes back pain can be persistent and debilitating. When back pain becomes chronic, it […]
Winning Long- and Short-Term Disability Benefits for Schizoaffective Disorder
Schizoaffective disorder is a chronic mental health condition characterized by the various symptoms of schizophrenia and the psychological conditions of either bipolar disorder or depression. Unfortunately, due to the split nature of the disease and its “invisible” signs, schizoaffective disorder may not be covered by employers when employees seek long- or short-term disability benefits. As […]
How to Achieve Long-Term Disability Benefits for Chronic Fatigue Syndrome
Chronic Fatigue Syndrome (CFS), or chronic fatigue and immune dysfunction syndrome (CFIDS), is a medical condition characterized by severe and persistent fatigue of indeterminate origin that is not alleviated by rest. Physicians believe that the fatigue experienced by those who suffer from this condition can potentially be caused by a mix of Epstein-Barr virus exposure, […]
