Short-Term and Long-Term Disability Insurance

If you can't work because you are sick or injured, disability insurance will pay part of your income. You may be able to get insurance through your employer. You can also buy your own policy.<h3>Types of Disability Policies</h3>There are two types of disability policies.<ul><li>Short-term policies may pay for up to two years. Most last for a few months to a year.</li><li>Long-term policies may pay benefits for a few years or until the disability ends.</li></ul>Employers who offer coverage may provide short-term coverage, long-term coverage, or both.If you plan to buy your own policy, shop around and ask:<ul><li>How is <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.healthcare.gov/glossary/disability/">disability</a> defined?</li></ul><ul><li>When do benefits begin?</li></ul><ul><li>How long do benefits last?</li></ul><ul><li>How much money will the policy pay?</li></ul><h3>Federal Disability Programs</h3>Two Social Security Administration programs pay benefits to people with disabilities. Learn about <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/disability-benefits-insurance#item-214012">Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI)</a>.

Health Insurance and Health Resources for People with Disabilities

Find information about health insurance and resources for people with disabilities.<h3>Health Coverage for People With Disabilities</h3>If you have a disability, you have three options for health coverage through the government. <ul><li>Medicaid provides free or low-cost medical benefits to people with disabilities. <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/benefits#item-35462">Learn about eligibility and how to apply</a>. </li><li>Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/medicare#item-36837">Learn about eligibility, how to apply and coverage</a>.</li><li>Affordable Care Act Marketplace offers options to people who have a disability, don’t qualify for disability benefits, and need health coverage. Learn about the <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/finding-health-insurance#item-36542">Marketplace, how to enroll, and use your coverage</a>.</li></ul><h3>Health Resources for People With Disabilities</h3>Federal, state, and local government agencies and programs can help with your health needs if you have a disability. <ul><li>Explore the <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.cdc.gov/ncbddd/disabilityandhealth/">Disability and Health section</a> of CDC.gov for articles, programs, tips for healthy living and more.</li><li>Learn more about <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.ssa.gov/disability/">benefits for people with disabilities</a> from the Social Security Administration.</li><li>Contact your <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/local-governments">local city or county government</a> to find out what medical and health services are available locally for people with disabilities.</li><li>Your <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/state-social-services">state social service agency</a> can help you locate medical and health programs. </li></ul>Visit USA.gov’s <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/benefits">Government Benefits </a>page to learn more about government programs and services that can help you and your family.

VA Disability Compensation Benefits

Veterans who have a service-related injury or illness may be entitled to <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.va.gov/disability/">VA disability compensation</a>. It’s a tax-free monthly benefit.Visit <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.va.gov/disability/how-to-file-claim/">VA.gov</a> to learn:<ul><li>Which conditions qualify you for benefits</li></ul><ul><li>How the claims process works</li></ul><ul><li>Where to file your claim</li><li>How to <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.va.gov/decision-reviews/">appeal a decision</a> you disagree with. The process changed in February 2019.</li></ul><a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.va.gov/disability/dependency-indemnity-compensation/">Survivors of veterans</a> may receive compensation benefits in certain situations.

Benefits and Insurance for People with Disabilities

Q: Short-Term and Long-Term Disability Insurance

If you can&#39;t work because you are sick or injured, disability insurance will pay part of your income. You may be able to get insurance through your employer. You can also buy your own policy.<h3>Types of Disability Policies</h3>There are two types of disability policies.<ul><li>Short-term policies may pay for up to two years. Most last for a few months to a year.</li><li>Long-term policies may pay benefits for a few years or until the disability ends.</li></ul>Employers who offer coverage may provide short-term coverage, long-term coverage, or both.If you plan to buy your own policy, shop around and ask:<ul><li>How is <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.healthcare.gov/glossary/disability/">disability</a> defined?</li></ul><ul><li>When do benefits begin?</li></ul><ul><li>How long do benefits last?</li></ul><ul><li>How much money will the policy pay?</li></ul><h3>Federal Disability Programs</h3>Two Social Security Administration programs pay benefits to people with disabilities. Learn about <a href="https://webcf.waybackmachine.org/web/20211006000515/https://www.usa.gov/disability-benefits-insurance#item-214012">Social Security Disability Insurance (SSDI) and Supplemental Security Insurance (SSI)</a>.

Find information about health care coverage including Medicare and Medicaid. Also, learn about workplace disability insurance, compensation benefits for disabled veterans and Social Security benefits for people with disabilities.