Being disabled can be difficult to handle, it can be difficult to deal with, and it can be so hard to get those disability payments that you need to be able to live your life. That being said, the parameters of disability have changed so dramatically over the past few decades that now, more illnesses and disabilities are considered to be eligible for payments. It can be hard to navigate the world of disability payments, and help with disability benefits is a must for many people.
What are Disability Benefits?
Disability insurance is a program that is run by the government and by the social security administration to help those that are disabled and no longer able to work. The program was designed to help those that are unable to work due to either physical disability or illness. This can be a range of different things, from physical disability due to an accident, a birth defect, or any other physical disability that makes it very hard or even impossible to work and to go out to get a job or hold down a job.
Disability benefits are designed to help you sustain life and to sustain a household. These benefits are not going to be huge for many people; instead, if you have worked previously, the disability benefits are going to be based on how much money you made on average while you were working. There is an equation that is used to help determine what your monthly payment is going to be.
If you have never worked before, your payments are not going to be based on how much money you made while you were working, but rather on a set amount based on yourself and if you are married or if you have kids to support. In most cases, those that have not worked are not going to get a huge check every month but rather enough money to supplement other benefits that you might be getting, like food stamps or housing assistance.
Benefits Based on Injury
The first kind of disability benefits that many people think about are benefits that are based entirely on an injury that was sustained while you were at work or otherwise. A great way to think about it is to take a look at an example. If you were working at a job on a construction site, for instance, and you were injured. You are going to be able to first get a payout for a worker’s compensation claim. This is a type of insurance where you are going to be able to get your medical bills paid, and you are also going to be able to get compensation for time off work.
The next thing you are going to be able to do is to apply for disability. You can apply for temporary or short-term disability, which implies that you are going to be able to go back to work after you recover. Short-term is a great type of disability that is going to provide for you while you cannot work, and it will also help you keep your home going.
If you are disabled to the point that you are not able to work ever again, you can apply for permanent disability. Permanent disability is not going to be something that everyone is going to be able to apply for and that not everyone is going to be able to actually get payments from. If you are going to be applying for permanent disability, you do need the help of a lawyer to really ensure that you are going to be able to get the payments that you need to keep on living.
Benefits Based on Birth Defects
If you are granted disability based on your physical state as a result of a birth defect, you are going to be getting less money in terms of monthly payments since you are not likely to have worked or paid into social security at any time. Disability works on the premise of credits that you are given based on how much you have worked. You can get social security benefits that are not based on how much you worked and that you can really use to help you live a full life.
For those that are getting social security benefits that are based on disability and based on the fact that you are disabled from birth, you are likely to get a set amount of less than $1,000 per month. This number does change based on where you live and what sort of lawyer you have to help fight for you and to help you fight for those disability benefits.
Disability payments based on birth defects or on early disability are often a carryover from social security payments that you may get or that your parent might get while you are under the age of 18.
Types of Disability Payments
There are two types of disability; the first is a short-term or partial disability. This is a disability that is not going to extend past six months. This is meant to help those that are injured and that do need time off of work, but that is not totally disabled to the point that they cannot work again later in life after they end up getting better and overcoming their illness.
Short-term disability is often used if you are in a small accident or if you are injured but not completely disabled, and if you are planning on going back to work and planning on getting back into the workforce at some point or other. Short-term disability is often paid for by the employer and is not a government benefit that you are going to be able to stay on for the rest of your life.
Your employer is going to hold short-term disability insurance and is going to be able to pay out short-term to those employees that are injured or that become ill and have to leave work for a time until they get better.
Long-term or permanent disability is a bit different than short-term disability. Long-term disability is paid for by the government and is paid for with the money from social security that is collected via taxes. These payments are going to last for the full life of the person that is approved for the payments and do change from time to time based on a few different factors that might affect your payments.
With long-term disability, if you have worked, you are going to be able to collect a percentage of your monthly pay average that you made before you became disabled. The lowest payment that most people get is about $800, with the cap being about $3,000 per month. In order to get $3,000 per month, you had to have been making a great deal before you ended up becoming disabled.
You can get long-term disability if you have never worked, but the amount of money that you get is not going to be as much as you would have if you had worked before you became disabled.
What Qualifies as a Disability?
There are so many different disabilities and illnesses that do qualify for disability benefits, and having a basic rundown of them can help you start to determine if you are eligible or not.
- Musculoskeletal issues like chronic pain, amputation, or even spinal disorders.
- Impaired senses can be blindness, loss of hearing, or speech issues.
- Respiratory illnesses like asthma, COPD, and more.
- Cardiovascular illnesses like heart disease or heart attack.
- Blood disorder
- Skin disorders
- Endocrine disorders like diabetes and thyroid illnesses
- Congenital disorders like down syndrome or other disorders affect multiple body systems.
- Neurological disorders like ALS, epilepsy, or even Parkinson’s.
- Cognitive defects like low IQ, bipolar disorder, dementia, depression, and more.
- Immune system diseases
- And very serious injury.
There are also different categories that apply to children and to their disabilities so that the parent can get disability or social security payments to help support the life of the child and to help support the parent when it comes to caring for the child that is disabled.
If you fit into any of the categories that are mentioned here, or you feel that you might, it is always a great idea to speak with a disability lawyer to see what type of disability that you might qualify for and that you might get payments for. Not all disabilities do qualify for disability payments, and you might not be able to get your disability payments every month.
When it comes to those that are looking to get on disability, you do need to take the time to really make sure you have all your information ready to present to the court so that you can get your disability payments taken care of.
How To Get Disability?
The next thing you need to keep in mind is that you do have a process that you need to go through in order to get a disability payment set out and to get your payments started. First, in order to get long-term disability, you do need to have been unable to work for at least a year. This is to ensure that people are not still working and still getting a paycheck and trying to fraudulently apply for disability payments.
You will need to have proof that you are disabled, you may need a medical evaluation of your injury or illness, you may need evaluation from several doctors, as well as getting the proper paperwork from the disability office to get the process started. Filling out paperwork for disability benefits can be so difficult, and many people do have to fight for their benefits, even if they are disabled and need the payments.
Your first step is going to be to make sure that you have the proper documentation for your disability claim. This includes the initial incident report if you were injured, a doctor’s report that illustrates what your disability is and that you cannot work, as well as any supporting documentation that your doctor can provide that might help with your claim.
It is always best if you take the time to talk with a lawyer to find out just what you need and to ensure that your claim goes through and that you are able to really get your claim seen and to get it through the process so that you can start getting your payments.
Does Illness Associate with Covid Count for Disability?
As our current society changes and as the illnesses that we struggle with every day evolve, it does become necessary for the disability system to change as well. While an active covid infection does not count for disability of any type, most employers will give you the time off work to get well and come back; long covid does qualify. So, what is long covid? Long covid is covid symptoms that last long after the infection is gone. This can be any symptoms that last for more than four weeks after you have been cleared and no longer have covid.
This can be any number of symptoms. It can be chronic fatigue that makes it hard to work, it can be a persistent cough that makes it hard to work, or that makes breathing difficult; it can also be breathing trouble in general. In most cases where covid becomes long covid, you can either apply for short term disability if you believe that your symptoms are going to get better, or you can apply for long term disability if your covid symptoms have led to further health problems.
If you have had covid and you are now having other symptoms and issues, you are likely to have lasting effects that make it hard to get back to work, even after you start to get better. In many cases where long covid develops, there is a preexisting condition or comorbidity that makes it difficult for the person that has the covid to fully recover and get back to good health.
This type of disability claim may be difficult to prove and even harder to actually get a payout and get your monthly checks. In this case, a lawyer is going to be incredibly beneficial and is going to be your best bet at getting a settlement or at getting a monthly check. With a covid claim, the disability office is likely to try and argue that you do not have a claim and that you do not have any business trying to get a disability claim.
What Factors Affect How Much Disability You Get?
The first thing that affects the amount of disability that you get is dependents. If you have dependents, you are going to get a larger check so that you can support not only yourself but so that you can support the dependents that you have as well. This means if you are disabled and you have children, you are going to get a larger check.
Another factor that might affect how much you get is your marital status. If you are married and your household has more than one income, your payments are going to be smaller since you do have that other person making payments to the household and helping to support you and your family. If you are married when you first get a disability and get divorced, for instance, your payment may go up.
Another thing that does affect disability is if you get a large sum of money. Say you have a family member that passes away, and you have left a large sum of money from a life insurance policy, for instance. You are not going to be able to keep getting all your benefits, and they may even be cut or may even be suspended until you spend some of the money to a certain amount.
The last thing that might affect your disability is if you go to work for any amount of time. If you are on disability, you are able to work some hours, but you do need to make sure you pay attention to how much you are working to help ensure that it does not affect or change your disability.
What to Do If You Are Denied
When it comes to a disability claim that has been denied, it can be incredibly discouraging. You may be tempted to give up, you may be tempted to withdraw your claim, and you may be tempted to stop pursuing your disability benefits. This is not the right thing to do, however.
If you are denied, you first need to ask the disability office to provide the reason for your denial. This is going to give your lawyer something to work with and a place to start when they begin to rebuild your disability case. You then need to contact a disability attorney. These professionals are going to be skilled not only in general law but also in the nuances that come with disability cases.
They can help you collect the information that is needed to fully support your claims of long covid or illnesses that are exacerbated by covid. They can also help with other claims, even if covid is not involved. They are going to be able to help you build a case that is helpful, and that does actually help you get a disability check every month.
If you have been denied, the best bet is to get the help of a lawyer to argue your case and help you potentially get your case seen again and get your benefits. Disability exists for the express purpose of helping those that cannot work and cannot support themselves.
What Can You Use Your Disability Payments For?
You can use your disability payments for nearly anything that you might need. When these payments are released to the payee, they are often either sent to a bank account or a prepaid card that you can use to pay rent; you can use it to pay for groceries, gas, car insurance, as well as any other expenses that you might have.
Disability payments are designed to help make the life of the person that is disabled easier to manage and are meant to help with making sure that you can support yourself despite your disability and any limitations that you might have. Along with your disability payments, you may also be qualified for other payments to help your journey and to help support yourself.
You may be entitled to other benefits like food stamps, rent assistance, healthcare, and more. Your attorney can help you fill out paperwork that supports this and help you get your disability case seen and reviewed so that you can get those life-sustaining payments.
How Can a Lawyer Help?
A disability lawyer is going to be able to help you in so many ways. First, they are going to be able to help you learn just what you need to help support your claims and help to support your disability filing. They are going to be able to help you collect doctor reports, any paperwork that needs to be filed, as well as any other supporting documentation that might be able to help you support the claim that you are unable to work.
Another great benefit to a lawyer is that you are going to have that support system, and they are going to be able to help you handle any issues that might pop up along the way or that might come to light as you file for your disability. They can also help file paperwork on your behalf and can work with the disability office to help ensure that you have all the necessary documentation to get your claim through and to ensure you are going to get your payments.
A lawyer is going to know what needs to be done, they are going to know what processes to file, and they are going to be able to help you get your current disability as well as any back disability that you may be entitled to. A lawyer is a great help that can truly aid you in your disability journey, and that can help you ensure you are going to be able to get those payments that you need and take care of yourself, your household, and anyone else that might be depending on you to help take care of them.