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What’s the Difference Between Short- and Long-Term Disability?

In the event of an accident that leaves you with significant injuries, it can be difficult to manage the fallout. Luckily, in such an event, you have the option to file an application for short- or long-term disability benefits. If you are successful, you may be awarded the financial security you need.
However, the type of benefits you will receive will depend on the type of injuries you have and how severe they are. So what’s the difference between short- and long-term disability? Below, the team of attorneys at Haffner Law goes over what you need to know on this subject.

Short-Term Disability

Short-term disability is awarded to those whose injuries are severe but will not last their entire lives. The benefits include a portion of the income victims would have received while they take time off of work to recover from their accident.
These benefits are typically awarded for between thirteen and twenty-six weeks, depending on the type of disability coverage you have.

Long-Term Disability

Conversely, long-term disability benefits are awarded to help those who are going to be left injured for many years or the rest of their lives. This insurance typically kicks in once the short-term disability benefits are no longer available and may be provided until the victim is either no longer disabled or is of age to begin receiving Social Security payments.
Similarly to short-term disability, there is a waiting period before you can begin to receive payments. However, the waiting period for long-term disability is much longer—anywhere from three to six months. You may apply while you are receiving short-term disability benefits to prevent a gap between payments.

Contact a Disability Lawyer at Haffner Law

The differences between short- and long-term disability are important to understand as you try to get your financial situation in order. If you’re ready to file an application for benefits, our team at Haffner Law is here to help. We’ll work with you to ensure your application is error-free and stands an excellent chance of being approved.
To speak with a member of our team, give us a call today at 1-844-HAFFNER (423-3637) or fill out the online contact form at the bottom of the page.

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