Many Americans don't think about the risks of becoming disabled during their professional career. However, studies show that workers in their 20s have a three in 10 chance of suffering a long-term disability before they retire, according to the Social Security Administration.
Many people don't plan for disability and it can be a very scary experience to not be able to work after becoming disabled. How will you pay for your bills and everyday expenses? The good news is that the federal government has the Social Security disability program to help disabled individuals in the U.S. People with disabilities can apply for Social Security Disability benefits, which provide individuals and families with monthly benefits to help pay monthly expenses.
Individuals with disabilities seeking SSD benefits will need to apply and meet the qualifications for the program before receiving any benefits. The application process includes gathering information on a person's medical condition and other factors. This information is reviewed by the Social Security Administration office to determine if the applicant is considered "disabled" under the program's definition. If the individual does meet the qualifications, he or she will then receive SSD benefits.
How does the program determine who is disabled and eligible to receive benefits? The SSA has a process for determining who is eligible to receive benefits. The factors include if an individual is working, if the person's medical condition interferes with basic working skills, if the person's medical condition is on the list of disabling conditions and if the person is able to do any other type of work without his or her disability interfering.
Applying for SSD benefits can be complicated and even frustrating at times. Disabled individuals may want to consult a SSD attorney in their area to help them through the application process. This can be particularly helpful for individuals who have questions about the process or those who believe their initial application may be denied.
Source: SSA, "Benefits For People With Disabilities"
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