If you’ve been hurt, you are likely wondering what are my options for disability benefits? They can range from workers’ compensation to a personal injury lawsuit. Many different types of disabling illnesses and injuries may qualify you to receive benefits. Each person’s circumstances will help determine the best course of action. Consulting a Houston disability lawyer at Chelsie King Garza, PC, can help you clarify the different options to determine what might be best for you, but having some general information can be helpful before an initial consultation.
Social Security Disability Insurance
Social Security benefits provide both income and medical coverage to those with disabling conditions. There are two main types of benefits: Social Security Disability Insurance and Supplemental Security Income. SSDI benefits are available to those who have contributed to the Social Security Administration by working and have enough quarters to qualify. This monthly benefit is based on the earnings record of the insured worker, not existing income or resources.
On the other hand, SSI benefits are available to disabled adults or children who have limited income and limited resources. The monthly payment is need-based and will vary per individual situation up to a maximum federal benefit rate.
In both cases, though, the disability must be total. Benefits are not awarded for partial or short-term disabilities lasting less than 12 months. Handling your social security disability denial on your own can be difficult. Get help.
Accidental Injuries – Personal Injury Lawsuits
When you’ve been the victim of an injury that resulted from another’s negligence, you may be eligible to file a claim against that person. Chelsie King Garza is an experienced personal injury lawyer. She can help with personal injury lawsuits, as well.
Workers’ Compensation Benefits
For someone who was injured while at work, applying for workers’ compensation benefits should be a top priority. Delaying the application can have a grave impact on whether you receive benefits. For those who have private disability insurance, applying for benefits with the help of your doctor should also be considered.
Long Term Disability Insurance
Some people, either through work or on their own, have purchased long term disability insurance. If you’ve been hurt, long term disability insurance is supposed to cover your lost wages and expenses to help your family cope. Often these claims are wrongfully denied. Learn more about long term disability denials.
If you are suffering from a disabling condition and need help determining what steps to take and how to get benefits, contact the experienced Houston disability attorney at Chelsie King Garza, P.C. today.