Midwest Disability, P.A. Midwest Disability, P.A. Midwest Disability, P.A.

Social Security Disability Insurance and private insurance facts

If you get hurt on the job, you probably already know that you have a right to workers' compensation as an employee. What you may not be clear about is when you should seek out Social Security Disability Insurance (SSDI) versus your private disability insurance.

Your injuries are significant, and you expect to recover for some time. It may be many months or years before you're able to perform your job's duties again. In reality, you may never be able to work again.

In your position, it's a good idea to understand the differences between private disability insurance and SSDI. Here are a few things to keep in mind.

Social Security Disability Insurance

Social Security Disability Insurance is a form of insurance provided to anyone who meets the qualifications and who has paid into the Social Security funds. If you qualify for these benefits, you'll receive monetary benefits. The average monthly payment to disabled parties is $1,148 each month.

To obtain SSDI, you have to show that you can't work in your old job and that you can't get new work based on your condition. Your disability must last at least one year.

Private disability insurance

The difference with private disability insurance is that only around 30 percent of workers have it through their employers. These plans may offer more benefits than SSDI, so they're worth looking into.

For example, you may be able to obtain coverage for your particular occupation. That way, if you're hurt and unable to work your job, you won't have to prove that you can't work other jobs, either.

No matter what condition you're in, there's likely a solution to your financial and medical woes. Our website has more on what you can do if you've suffered a workplace injury.

MIDWEST DISABILITY office locations

Midwest Disability, P.A.
408 Northdale Boulevard Northwest
Coon Rapids, MN 55448
Toll Free: 888-351-0427
Coon Rapids Law Office Map

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