Long-term disability insurance is highly beneficial for workers throughout Wisconsin who find themselves unable to work. Generally, your claim will fall under one of two categories: Social Security Disability Insurance or Supplemental Security Income Program. There are different benefits and criteria for each, but both can help Wisconsin residents who are unable to work full time.
To qualify for Social Security Disability Insurance, an adult who is old enough to receive Social Security benefits must be involved. This can happen in one of three ways. If you are under the age of 65 but have worked long enough to qualify for Social Security, you may receive SSDI if you are no longer able to work. Or, if you have had a disability since before the age of 22 and you are dependent on a parent who receives Social Security, you may still receive benefits when they pass away. Finally, if you are between 50 and 60 years old and your recently deceased spouse qualified for Social Security, you may receive their benefits.
Supplemental Security Income is a bit more reserved in who can receive benefits. Only children and adults who are disabled may qualify. This is defined as a mental or physical limitation that prevents them from working.
You do not have to stay at home in order to receive SSDI benefits. In fact, many choose to have easy part-time jobs to fill their time. If you are facing a long-term disability insurance claim denial, it may be beneficial to contact an employment law attorney to have your case reviewed.