How Social Security Defines Disability
When you suffer from an injury that may interfere with your ability to work and provide for yourself and your loved ones, you may qualify for long-term disability (LTD) coverage. LTD coverage can help you with your basic needs, as well as medical bills that might arise.
However, to qualify for these benefits, you must prove to the Social Security Administration (SSA) that you do indeed have a disability. To do so, you should know how the SSA defines disability. For help in filing your claim, contact an Indiana long-term disability attorney from Hankey Law Office today by calling (800) 520-3633.
Will the SSA Determine that You Are Disabled?
The SSA has a strict definition of LTD. Besides not providing coverage for short-term injuries or partial disability, your long-term injury must meet certain standards in order to qualify for SSA care. These requirements include:
- The injury prevents you from doing the work you did before the disability
- The disability hinders your ability to learn a new job
- Your disability is expected to last at least one year or result in death
One important thing to note is that your injury may or may not qualify as LTD depending on your job. For instance, if you have worked as a seamstress for your entire life and injure your hand, this may count as a long-term disability. Conversely, if you wear a headset and answer phones, a hand injury may not prevent you from carrying on your job.
If you believe that you have suffered a career-ending injury, you should talk to an attorney for help in proving your case. Contact an Indiana long-term disability lawyer from Hankey Law Office at (800) 520-3633 today to discuss the facts of your case.