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Overview of Federal and State Disability Benefits for Unemployed

By Edited Feb 10, 2014 0 0

Unemployment and disability benefits could come hand in hand if the reason you lost your job is because of your disabling condition.

There are various avenues that you can pursue in regards to getting disability benefits but all will depend on the details of your condition.

You can choose between federal and state disability benefits, again, depending on your condition.

Here's the overview of the general disability insurance for workers ad employees:

Federal Disability Benefit

The main federal disability benefit for workers is the Social Security Disability Insurance (SSDI) which is administered by the Social Security Administration (SSA).

To qualify for SSDI, you have to meet the following:

  • The disability is expected to last for more than a year

  • The disability severely limits the worker's ability to perform substantial gainful activity

  • Under 65 years old

  • Generally, should have worked 5 out of the last 10 years.

The SSDI is funded through social security taxes that are deducted from the worker's salary.

Employers also pay a partial amount of the total tax paid for their workers.

SSDI is notorious for the high number of claims denied on its initial and first appeals stage.

Claimants are advised to get a disability lawyer to help them prepare their claim.

State Disability Benefits

Generally, the SSDI is the best course you can take when you get disabled and is unable to work.

However, since not everyone is qualified, especially if the disability is not expected to last for more than a year, then you have to pursue other options.

Fortunately, there is worker's compensation and state disability insurance.

The main difference between the two is their requirement about where you sustained your disabling condition.

Under worker's compensation, the worker must have sustained the disabling injury while at work and during work hours while under state disability insurance, the disabling injury must have been sustained outside working hours.

Both covers short and long term disabilities, that is why it is a good option if you do not qualify for SSDI.

Both insurance coverage are required from employers in the state of California.

It is also funded through state taxes that are deducted from the employee's pay.


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