If you work for a Washington, D.C. employer and cannot work due to a serious injury or illness, you may have access to both short-term and long-term disability benefits. These benefits replace part of your income but work differently.<\/p>\n
Short-term disability (STD) offers temporary financial support when you cannot work. Here\u2019s how it works:<\/p>\n
Long-term disability (LTD) provides financial help for extended periods when you cannot work. Here\u2019s what you should know:<\/p>\n
Short-term disability (STD) is meant for temporary conditions, lasting up to six months. It helps replace income while you recover and return to work. It\u2019s easier to qualify for because the benefits are shorter, and the approval process is usually simpler.<\/p>\n
Long-term disability (LTD) is for serious or permanent conditions. It starts after six months and can last for years, often until retirement. LTD is harder to qualify for because it requires more proof, including detailed medical evidence. Policies also have stricter rules, like limits on mental health claims or reductions if you get Social Security or workers\u2019 comp benefits.<\/p>\n
The main difference is duration and complexity. STD is short-term and easier to access, while LTD is long-term and has tougher requirements. Together, they can provide important financial protection when you need it most.<\/p>\n
Applying for disability benefits can be stressful. We handle everything for you, including working with your doctors and dealing with the insurance company. But don’t wait, if your claim was denied, the clock is already running. Give us a call at 202-393-3320<\/a><\/strong><\/span> or schedule a free and same day consultation by clicking here<\/strong><\/span><\/a>.<\/p>\n","protected":false},"author":8,"featured_media":2926,"parent":0,"menu_order":0,"template":"","faqs_category":[20],"class_list":["post-1190","faqs","type-faqs","status-publish","has-post-thumbnail","hentry","faqs_category-long-term-disability"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t