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Home  >  Articles  >  Short Term vs. Long Term Disability Coverage

Short Term vs. Long Term Disability Coverage

Injuries or long-term illnesses can be devastating not only for your health but also for your financial security. These health problems can keep you from working and earning the wages that you need for medical care, housing, and food. Fortunately, if your illness or injury is work-related, you may be entitled to disability coverage to help with your expenses.

In New Jersey, some employers may be obligated to provide short-term disability coverage for workers who are suffering from work-related illnesses or injuries. If you have been hurt while on the job, you should pursue the benefits that you need. To discuss your case, contact a New Jersey workers’ compensation lawyer from Levinson Axelrod, P.A., today at 800-346-5529.

Long-Term Disability Coverage

According to the Social Security Administration, a long-term disability is any illness or injury that is expected to last at least a year or eventually result in death. The condition has to impede your ability to work in a way that you can prove to Social Security or your insurance provider. While this can replace your income for many years, it typically does not cover 100% of your pre-ailment income.

Short-Term Disability Benefits

On the other hand, many injuries or illnesses only sideline a person for several months. In these cases, short-term disability may be able to help. This may only cover you for up to six months or a year, but short-term disability sometimes provides a higher replacement percentage of your income.

Contact Us

In some cases, your employer may be responsible for helping you with disability coverage or workers’ compensation if your health condition is the result of a workplace accident. Contact a knowledgeable New Jersey workers’ comp attorney from Levinson Axelrod, P.A., at 800-346-5529 today to learn more about your legal options.