Disability Insurance: Things You Need To Know

Insurance Help Center

Social Security provides long-term disability benefits based on your salary and the number of years you have worked and contributed to the Social Security system. However, Social Security replaces only a limited portion of your salary, and the qualifications to receive benefits are very strict. To be eligible for Social Security disability benefits, all of these conditions must be met:

* You have been disabled for five full calendar months.

* Your disability is expected to last at least 12 months or end in death.

* You are unable to be gainfully employed at any occupation, not just your occupation at the time your disability began.

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