Short-Term vs. Long-Term Disability Payments
Americans have a 20% chance of becoming disabled over the course of their lives. This disability can be caused by an illness or injury, and it can be temporary or permanent. While many people save up for unexpected problems like emergency medical care, it is not always possible to save up money that can cover all of your expenses or replace your lost wages in case of a disability.
Illnesses and injuries are classified as short-term or long-term disabilities. The payment coverage that you receive while you are unable to work will depend on the extent of your ailment. If you have been injured on the job, you may need help getting the money that you deserve. To discuss your disability claim, please contact a Morehead City disability lawyer from the Law Office of Sam Scudder today at 919-851-3311.
What is a Disability?
A disability is defined as an injury or illness that prevents you from working. Some ailments may count as disabilities for some jobs but not others, depending on your career. However, if you can prove that you cannot work, you can claim short-term or long-term disability help.
The Difference in Payments
Generally, short-term disability coverage pays a higher percentage of your lost wages as compared to long-term disability. However, long-term disability payments can obviously last much longer. In fact, short-term disability payments tend to decrease after 6 months, while you can continue receiving long-term benefits for five to ten years or until you are 65.
When you are facing a debilitating illness or injury, you have enough to worry about without having to concern yourself with fighting for disability coverage. For help in getting the coverage you deserve, you should contact an experienced Morehead City disability attorney from the Law Office of Sam Scudder, at 919-851-3311 today.