When you have a disabling injury or illness, and you no longer can work, there are three potential means of income that you may be eligible to seek, depending on your situation. Whether you are unable to work temporarily or permanently, you may have options for maintaining some level of income.

First, if you suffer a job-related illness or injury, such as a workplace accident, you are entitled to workers’ compensation benefits. You can get workers’ compensation benefits whether you are temporarily or permanently disabled, as well as if you are partially or fully disabled. Workers’ compensation generally consists of payment of your medical expenses related to your illness or injury, as well as a percentage of your regular wages or salary. In the case of a permanently disabling medical condition, you also may be eligible for a lump sum or periodic payment of benefits to compensate you for your disability.

Long-term disability benefits may be available through your employee benefits package or through an individual disability policy that you have purchased. Most long-disability or LTD benefits policies have an elimination period, during which you may be disabled and unable to work, but you are ineligible for benefits. Once the elimination period has passed, you generally are entitled to LTD benefits in an amount that is equal to a set percentage of about 50 to 60% of your wages or salary. The duration of your LTD benefits depends on your policy terms. Some policies provide coverage until you can return to work, and others will pay until you turn 65. Depending on the nature of your condition, however, your policy may place shorter time limits on your ability to draw LTD benefits.

Social Security Disability Insurance (SSDI) benefits also may be available if you are disabled and unable to work. The eligibility requirements for these benefits are strict. Typically, you must have worked five out of the last ten years, you must be younger than retirement age, and you must have a severe medical condition that is expected to last at least one year or result in your death. The application process for SSDI benefits also is quite lengthy, so it can take months or even years to qualify for these benefits.

If you need to apply for long-term disability benefits, you may greatly benefit from calling us today and getting the advice that you need. Bonnici Law Group has the experience and knowledge that is invaluable when applying and qualifying for long-term disability benefits. When you need answers, contact Bonnici Law Group today at 858-261-5454. As we focus our efforts on long-term disability claims, we know how to protect your rights and build a strong demand for compensation in your case.