Long-Term Disability And Your Rights: What You Need To Know

Living with a long-term disability is a daunting experience, often filled with uncertainty. One of the most crucial aspects to manage is understanding your rights and ensuring they are respected. Disability rights vary by jurisdiction, but this guide will provide you with a general overview of the rights that individuals with long-term disabilities typically hold in the United States. 

These rights are designed to protect you from discrimination, ensure you have access to necessary accommodations, and allow you to live as independently as possible.

Legal Protections And Advocacy

The first thing to know is that federal laws protect individuals with long-term disabilities from discrimination in several areas of life, including employment, education, and housing. The Americans with Disabilities Act (ADA), the Rehabilitation Act, and the Fair Housing Act are three essential laws that provide these protections. It is crucial to familiarize yourself with these laws to understand your rights fully.

If you’re in New York, a New York disability lawyer can be an invaluable asset in navigating the complex legal landscape. They are well-versed in both federal and state disability laws and can help ensure that your rights are being respected. They can also assist you with tasks like filing for disability benefits, appealing a denial of benefits, or handling a discrimination lawsuit.

Health Insurance And Social Security Benefits

Long-term disability often comes with hefty medical bills and can impact your ability to work, making financial stability a significant concern. The Social Security Administration (SSA) provides two programs for individuals with disabilities – Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). 

SSDI is available to individuals who have worked enough to earn sufficient credits, while SSI is designed for low-income individuals who haven’t earned enough credits.

Workplace Accommodations

Employers are required by the ADA to provide reasonable accommodations to employees with disabilities, enabling them to perform their jobs. 

Accommodations can vary widely, depending on the nature of the disability and the job in question. They may include things like specialized equipment, flexible work hours, or the ability to work from home. It’s essential to communicate your needs with your employer to ensure you’re receiving the necessary accommodations.

Accessibility Rights

The ADA also requires that public places be accessible to individuals with disabilities. This encompasses everything from physical accessibility, like wheelchair ramps and elevators, to digital accessibility, like screen readers for websites. If you encounter a place that is not accessible, you have the right to request reasonable modifications to allow you access.

Education Rights

Students with disabilities have rights to equal educational opportunities under the Rehabilitation Act and the Individuals with Disabilities Education Act (IDEA). These rights include access to special education services, necessary accommodations, and a free and appropriate public education (FAPE).


Understanding your rights as an individual with a long-term disability is crucial to ensuring that you’re able to lead a fulfilling and independent life. While the path can often feel overwhelming, remember that resources are available to help. Legal professionals can be instrumental in helping you navigate the complexities of disability laws and benefits. 

Take time to familiarize yourself with your rights and the resources available to you, and don’t be afraid to reach out for help when needed. Your disability is only one part of you, and with the right knowledge and support, you can advocate for yourself and your needs effectively.