Filed In: Disability Insurance Claims FAQs
You must still qualify for Social Security disability benefits even if you already receive disability payments from another source.
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I receive disability payments from my job or another agency. Can I automatically get Social Security disability benefits?
No. Even if you are already receiving disability benefits from another source, you must meet both of the following conditions to be eligible for Social Security disability benefits:
- You must be unable to do any substantial work because of your medical condition(s); and
- Your medical condition(s) must have lasted, or be expected to last, at least 1 year, or be expected to result in your death.
Social Security benefits do not pay for partial disabilities.
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Most employees believe they're adequately covered when it comes to disability insurance. Nonetheless, if you're an employee and have company-sponsored insurance, you still may want to consider purchasing supplemental insurance to protect your family.
Social Security disability benefits are based on an injured person's lifetime earnings before disability began and not the severity of the disability. Private insurance does not affect eligibility for Social Security disability benefits, so purchasing an individual disability policy can be a good safety net, especially if you buy it when you're young.
Always research carriers and buy from a company with a stellar claims-paying history. Cheap premiums might look attractive, but they'll do you no good if the insurance-provider goes broke when you need it most
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