What is the difference between Social Security Disability and Long tern disability?

Feedback & Your chance to ask QuestionsWhat is the difference between Social Security Disability and Long tern disability?
sesserdisability Staff asked 8 months ago
Chris Gore replied 7 months ago

Social Security Disability can include both Retirement Survivor Disability Income (RSDI) which is based on your earnings reported to the government over the years. Supplemental Security Disability (SSI) is also disability but based on financial need. You should apply for both when applying for disability with the government at Ssa.gov.
Long Term Disability is disability often offered through your employer and you may have paid a premium to your employer to have long or short term disability. These often can run out after a period of time but have nothing to do with the disability you apply for through the government. Usually if you are on long term disability through your employer you are required to apply for government disability as it will reduce the amount that is paid to you based on whether you get RSDI or SSI.