Differentiating between LTD insurance and SSI

Though long-term disability insurance (LTD) and Supplemental Security Income (SSI) are both benefits aimed to support individuals who can no longer earn income due to their disability, but it is important to know the difference between the two:

  • LTD is run by private insurance companies while SSI is a program of the Social Security Administration.
  • Employers usually provide LTD to their workers while SSI is a privilege of individuals living and working in the U.S.
  • Workers have an option to buy their own LTD insurance while SSI benefits are only given to those who are eligible to receive it.

If you are suffering from a debilitating injury and your insurance company is delaying your long-term disability benefits, a lawyer may possibly represent you. Find out how the Indiana lawyers of Hankey Law Office may help you pressure irresponsible insurance firms into releasing your much needed benefits today by calling (800) 520-3633.


National Minority Mental Health Awareness Month is July

July is National Minority Mental Health Awareness Month.

The Center for Disease Control and Prevention reports that 25 percent of adult Americans suffer from a mental illness. Many minorities are unlikely to report these kinds of conditions and even less likely to seek benefits that could make living with a mental illness less difficult.

There are many mental illnesses, such as schizophrenia, can qualify a person for Supplemental Security Income benefits. Mental illnesses are often long-term disabilities, staying with a person for the rest of their life.

If you have become disabled due to a mental condition, the Social Security lawyers of the Hankey Law Office, can help you seek benefits. Contact them at (800) 520-3633.


Differences between SSI and SSDI

Many people do not understand the differences between Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), which can have a negative impact on their applications for disability benefits.

The primary difference is that SSI is independent of an individual’s work record while SSDI is based on a work history, with the exception of those who have never been able to work because of their disabilities.

SSDI was expanded in 1960 as an amendment to Social Security, allowing disabled workers of any age and their dependents to receive benefits. SSI was created in 1974 to replace confusing individual state programs. SSI and SSDI receive their funding from different sources as well.

The process of applying for Social Security benefits is long and difficult. Unless an applicant has one of the disabilities listed as a compassionate allowance condition, he or she may have a stressful time getting the necessary benefits. If you want an experienced legal professional to help you secure approval for your SSDI or SSI benefits, contact the Indiana Social Secutiry lawyers of the Hankey Law Office, at (800) 520-3633.