Video Summary

  • Social security disability is a government program, while long-term disability is a private program obtained through individual purchase or employer-provided policies.
  • The definition of disability for coverage differs between social security disability and long-term disability.
  • Qualifying for social security disability does not necessarily guarantee qualification for long-term disability.
  • Long-term disability benefits may be reduced by the amount received from social security disability due to an offset provision in the policy.
  • Even if denied long-term disability, individuals receiving social security disability can still seek assistance and clarification from the attorney mentioned in the transcript.
Kevin J. McManus
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Kevin McManus is an accident injury and disability lawyer in Kansas City, MO, and Overland Park, KS