The Employee Retirement Income Security Act (ERISA) has been a sticking point for many who have tried to file disability claims. While the spirit of the act might have been positive, many of the rules surrounding ERISA have made it complicated, arduous, and challenging to understand for those who depend on it for benefits. Many […]

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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 […]

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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 […]

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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 […]

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