Disability Benefits: Legal Definition

Disability benefits refer to money received from a program put in place to compensate those with limitations created by an injury or medical condition that renders them unable to work, or able to work in a limited capacity.

Disability benefits may come from private disability insurance, or from a government program like Social Security.

Government Disability Benefits

Social Security Disability

The Social Security Administration runs two disability benefit programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

SSDI requires that recipients have a disabling condition and enough work credits. People earn work credits by paying Social Security taxes throughout their lifetime. The number of work credits required to qualify depends on the person’s age.

SSI is a needs-based program. Disability recipients must have a disabling condition that prevents them from working, but do not have to have a sufficient work history. They must have low income and assets, however.

Private Disability Benefits

Many insurance companies offer disability plans. They are set up similar to car or health insurance plans. You pay premiums to the insurance company each month (or your employer pays them on your behalf). If you become disabled, you can file a claim for benefits.

As far as what disabilities qualify for benefits, every company is different, as are the different policies offered by each company. It is essential to read your policy before signing up so that you understand what is and is not covered.

Get Help With Social Security Disability Benefits

If you need help with a claim for Social Security disability benefits, call the Disability Advantage Group. We will answer your questions and help you fight for the disability benefits you deserve. Get a free case evaluation by calling 865-566-0800.