The term temporarily totally disabled refers to an individual who, while not permanently disabled, is unable to work or attend school for a minimum of 60 days due to an injury or illness. This definition also extends to a disabled dependent of a borrower, such as a spouse or child, who requires continuous care for at least 90 days during their period of illness or injury.
This term is commonly used in the context of federal education loans, particularly under the Federal Family Education Loan (FFEL) Program. It may arise in legal matters concerning loan deferment or discharge due to disability. Understanding this term is crucial for borrowers seeking relief from their loan obligations during periods of temporary disability.
Here are a couple of examples of abatement:
Example 1: A teacher suffers a severe injury and cannot work for 70 days. During this time, they may qualify as temporarily totally disabled, allowing them to apply for loan deferment.
Example 2: A parent requires surgery and needs assistance for their child who is recovering from a serious illness. If the child requires continuous care for 95 days, they may be classified as a disabled dependent under this term.
Examples of state differences (not exhaustive):
| State | Notes |
|---|---|
| California | May have additional provisions for disability benefits. |
| Texas | Specific forms may be required for loan deferment due to disability. |
| New York | State laws may provide additional support for temporarily disabled individuals. |
This is not a complete list. State laws vary, and users should consult local rules for specific guidance.
| Term | Definition | Key Differences |
|---|---|---|
| Totally Disabled | Unable to work or attend school permanently. | Permanent condition vs. temporary condition. |
| Partially Disabled | Can perform some work or attend school with limitations. | Partial ability vs. complete inability. |
If you believe you qualify as temporarily totally disabled, consider the following steps:
| Attribute | Details |
|---|---|
| Minimum Duration | 60 days |
| Dependent Care Duration | 90 days |
| Applicable Programs | Federal Family Education Loan Program |
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It is a condition where an individual cannot work or attend school for at least 60 days due to an injury or illness.
