Disability or unemployment?

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PostPosted: Tue Oct 20, 2009 7:37 am   Post subject: Disability or unemployment?  


The following message has been conveyed to us by Joy Ross via email-

I have recently had surgery and recovery time is approximately another

3-4 months. My employer has allowed me to work from home, however; due

to not being able to do the "complete" job I was hired for, I will be

laid off at the end of November. Should I apply for disability or

unemployment? Which will I benefit the most from, and when whichever I

am on runs out, will I be able to apply for the other if necessary?




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PostPosted: Tue Oct 20, 2009 8:43 am   Post subject:   

Well, applying for both would be quite contradictory to each other. By applying for unemployment after disability you'd actually be giving a hint that you are capable of working. On the other hand, by applying for social security you'd give the idea that you can't work.

So the best thing that you may do is to share your problem with an SSD attorney and seek a free consultation. But, please keep us updated! Roddick

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PostPosted: Mon Nov 02, 2009 9:02 pm   Post subject:   

SSI will be of no use to you; you'll recover before the elimination period has been satisfied.

Most group LTD plans do not cover partial disabilities, and you would be considered partially disabiled. If you have an individual policy that covers partial disabilities--sometimes referred to as a residual benefit--you should contact your agents and prepare filing for a claim.

If you have no individual DI then your likely best option is to wait until you are laid off and apply of unemployment.

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