Social Security Disability Insurance (SSDI) and short-term disability (STD) are two types of disability benefits that can provide you with financial assistance if you’re unable to work due to a disability.
What SSDI and STD have in common
Both programs aim to support you when you can’t work—but that’s not where the similarities end. Both of them also require you to provide medical documentation to support your disability claims. Also, both programs may require that you exhaust any available sick leave or other benefits before receiving disability benefits.
Differences Between the Programs
The application processes and eligibility requirements for the two programs are quite different, and it’s important to carefully review the specific guidelines for each program before you apply.
SSDI is a federal program administered by the Social Security Administration (SSA) that provides you with long-term financial assistance if you have a qualifying disability and have paid into the Social Security system through employment. Eligibility for SSDI requires that your disability has lasted or is expected to last at least 12 months and that you have earned enough work credits through Social Security. SSDI benefits aren’t based on the severity of your disability but rather on your work history and contributions to the Social Security system.
In contrast, STD is a type of insurance that provides you with income replacement for a shorter period of time—typically up to 26 weeks. STD benefits are often provided by an employer, although you may choose to purchase your own coverage depending on your situation. Unlike SSDI, STD benefits are typically based on the severity of your disability and your ability to perform your job duties.
Receiving Benefits From Both Programs
Receiving both STD and SSDI benefits can be beneficial, as STD benefits can provide immediate financial assistance while you wait for your SSDI claim to be processed. You can receive both short-term disability (STD) benefits and Social Security Disability Insurance (SSDI)—but there are some important considerations you should keep in mind.
Impacts on Eligibility and Amounts
Receiving STD benefits may impact your eligibility for SSDI, as the Social Security Administration (SSA) may take into account any other disability benefits you receive when they’re determining your eligibility for SSDI. Additionally, your SSDI benefits may be reduced if you’re also receiving STD benefits, as SSDI benefits are based on your earnings history and the number of other disability benefits you’re receiving.
Getting the Legal Help You Need
Navigating the application processes for both STD and SSDI can be complex, and you’ll find it helpful to consult with an experienced attorney who specializes in disability benefits to ensure that you meet all requirements and receive your benefits fairly.
Working With Schott Law
If you need help with your SSDI or STD, Schott Law is here for you. Maggie Schott is an SSDI & SSI lawyer serving Washington and Idaho. Contact us now at (509) 328-5789 to start your application.
