Disability insurance is a means to provide income, on a temporary or an extended basis, for employees who are unable to work due to work-related injuries or illness. It is also a means to provide for family members and other dependents such as minor children. It is provided by companies such as EZDIQuote In some […]
Disability insurance is a means to provide income, on a temporary or an extended basis, for employees who are unable to work due to work-related injuries or illness. It is also a means to provide for family members and other dependents such as minor children. It is provided by companies such as EZDIQuote
In some cases, disability insurance may only be required on a short-term basis, such as with some pregnancy-related issues, post-operative care, or minor work-oriented injuries. In other cases, disability insurance may be needed to cover long term situations, such as when an individual is unable to work in their usual occupation and must receive training to enter a new trade or profession. An example of this might include a tile or bricklayer who develops asthma. In still other cases, such as when a delivery driver is in a car accident resulting in a severe head or spinal injury, future employment may be prevented altogether.
If an employee does not have disability insurance through their employee benefit package, or has not purchased private disability insurance, then one of their options includes applying for Social Security Disability Insurance. If there are minor children or other qualifying dependents involved, another option includes The U.S. Department of Health and Human Services Administration for Children & Families Temporary Assistance for Needy Families program, or TANF; this site may be located at HHS.gov.
Social Security Online, which is available at socialsecurity.gov, provides a“Disability Planner”, FAQs, as well as “how-to” guides. Topics include “How to Qualify”, “How to Apply”, “You’re Approved”, “Other Factors”, “Family Benefits”, and “Benefits Calculators”. In the event that a claim is not approved, there are a variety of situation- specific resources that outline appeal processes.
In the case of veterans, for example, Military.com’s Benefits Section, “The Appeals Process Overview”, provides a step-by-step process tailored to veterans’ needs. There is also a FAQ section, a glossary, and links to information from The Board of Veterans Appeals and the U.S. Court of Appeals for Veterans.
