Short-Term/Long-Term Disability vs Social Security Disability
There are two types of disability: one is a private disability, and the other is Social Security Disability (SSD). Private disability is an option your employer may provide to you, although it is not required. You could also purchase your own private disability for short and/or long term disability. Generally, private disability includes both short-term (up to 3 months), and long-term (anywhere from two years to indefinite) disability benefits. The other type of disability is SSD insurance (SSDI). The SSDI program is a mandatory government insurance program set in place to help individuals with both monetary and health insurance benefits while they are out of work. This program differs from private disability in that you need to show you have been disabled for a 12-month time frame or you will be disabled for at least 12-months. Also, you need to show that you are incapable of not only performing your past work, but also any other type of work in the national economy. You can appl...