A disability is a condition that prohibits an individual from partaking in normal or important activities, such as working. In order to help disabled individuals handle the challenges that they face, an array of disability law and legislation has been established. In addition to providing disabled individuals with equal rights, these laws may also provide them with financial assistance.
Disability insurance is a type of insurance policy that covers individuals in the event that they suffer from a disabling condition. If an individual is no longer able to work due to a disability, his/her insurance company will provide him/her with a disability income, which is intended to help compensate for a portion of his/her previous income.
Disability Living Allowance
Disability Living Allowance is a type of financial assistance that is given to disabled individuals residing within the United Kingdom. Disability Living Allowance is intended to provide these individuals with the funds that are necessary to obtain disability services that will help to improve their quality of life and ensure that they remain safe.
Many governments throughout the world provide disabled citizens with a disability allowance. A disability benefit is essential to ensuring that disabled individuals acquire the finances necessary to support themselves and the assistance needed to safely live their lives. However, benefit fraud is plaguing many of the disability benefit programs available to these individuals.
Following the creation of disability rights legislation, and the establishment of organizations, such as the Disability Rights Commission, in countries throughout the world, the Disability Rights Movement has advanced significantly. Various types of legislation provide disabled individuals with equal rights and prohibit discrimination against disabled individuals.
Some states within the United States have developed Temporary Disability Benefits, to help ensure that people suffering from temporary disabilities are able to continue supporting themselves. If an individual is recovering from an illness or an injury, and is not able to work, he/she may qualify for Temporary Disability Benefits.
Temporary Disability vs. Permanent Disability
When an individual is suffering from a disabling condition, he/she may be suffering from a temporary disability or a permanent disability. The type of disability that he/she is suffering from may determine whether or not he/she is eligible to receive disability benefits. Though some states offer Temporary Disability Benefits, most do not.
Long Term Disability Insurance
Many individuals choose to purchase long term disability insurance, so that they are protected in the event that they suffer from a long term disability. A long term disability can prevent an individual from working for an extended period of time. Long term disability insurance will help to guarantee that he/she receives a steady income during this time period.
Short Term Disability Insurance
Short term disability insurance is a type of insurance that provides individuals with an income, if they suffer from a short term disability that prevents them from working. An individual who purchases this type of insurance plan will be able to receive regular insurance payments,if he/she is not working due to a temporary disability.
Disability Tax Credit
Disability tax credits are available to individuals who are suffering from permanent disabilities and who are no longer able to work. In order for an individual to acquire a disability tax credit, he/she must meet specific eligibility requirements. For example, he/she must be relying on disability payments as an essential source of income.
The Disabled Students Allowance is a type of grant that is offered to disabled students residing within the United Kingdom. This grant provides disabled students with the funds necessary to acquire vital educational support. This support may be aimed at helping an individual to document the information that is presented at class, or better retain that information following the lecture.
When an individual is suffering from a long term or fatal disability, and is no longer able to work, he/she may be eligible to receive Social Security Disability Benefits. There are strict regulations in place regarding the associated eligibility requirements. For example, an individual who is suffering from a temporary disability will not qualify for security disability benefits.
If an individual wants to receive disability benefits because a disability is preventing him/her from working, he/she must complete a disability claim. Disability claims require applicants to complete an array of paperwork. An applicant's doctor and employer will also be required to complete designated forms. An individual's claim will be reviewed to determine if he/she qualifies for disability benefits.