If your spouse is physically or mentally unable to apply for Social Security disability benefits and you wish to file on their behalf, the Social Security Administration (SSA) has rules that make that possible in certain situations.
Here's what to do if a doctor makes a notation in your medical record that you may be malingering or exaggerating to get Social Security disability benefits.
If you have LTD and you become unable to work, the insurance company will pay you part of the salary or wages that you earned before becoming disabled.
Long-term disability (LTD) insurance pays monthly benefits to covered workers who become unable to perform the duties of their job for medical reasons.