May is Awareness Month Disability Insurance. This month of awareness for the annual consumption was founded by insurance companies of the Foundation for Education, information on insurance nonprofit.
June 12, 2011 / 24 7PressRelease / - May is Awareness Month Disability Insurance. This month of awareness for the annual consumption was founded by insurance companies of the Foundation for Education, information on insurance nonprofit.
Disability can happen to anyone
The Council, a non-profit for Disability Awareness has compiled valuable statistics on their website that shows how vulnerable we are financially, as a sudden inability of the Company:
- Forty-four percent of American families spend more money than they receive in
- Sixty percent of us have no savings set aside for emergencies.
- More than 60 percent of 2007 consumer issues medical bankruptcy.
- Inability to work long-term average of 2.5 years left.
- More than 20 percent of workers go through periods of incapacity of more than five years.
- Twelve percent of our population is considered disabled.
Insurance Social Security Disability
People think disability insurance, as something that is part of a package of post-employment benefits or private sale. Disability insurance - either short or long term - financially protects workers when they can not work. If this is true, another important support program is available for most U.S. workers through the Social Security program for people with disabilities.
If someone tells you that he or she receives social security benefits, most say that this person is receiving pension benefits from the federal government that we all hope and plan. The typical American worker has always been a small amount deducted from each check to send to Uncle Sam to put aside our fund of the conference.
Many people are unaware that the money contributed to Social Security, which also funds a program of disability insurance for our benefit: Social Security Disability. SSDI Disability Insurance is available for most public sector employees who have worked very consistent in their lives and facing disabling conditions that prevent them from working, and should last at least a year or cause death.
The Disability Council reports that the end of March 2011, more than five percent of American workers have been receiving SSDI. And while SSDI is useful and important, its benefits are modest. For example, the average monthly benefit was of 1,065 U.S. SSDI dollars in June 2010, with the advantage of the amount a little higher for men than for women.
Regardless of how payments may be modest, however, SSDI benefits are a form of some to avoid falling into poverty.
SSDI eligibility
SSDI eligibility requirements are complicated. Basically, you must have worked long enough and recently enough to qualify, and "have a medical condition that prevents work or which prevents him from working for at least 12 months or end in death."
The Social Security Administration uses a five step process for review of eligibility:
- Are you working?
- Is your condition severe?
- It is their commitment (or more) the list of people with disabilities SSA off automatically?
- You can return to your previous job?
- Having regard to your health, age, education, experience and skills, there are other jobs available to you?
Since the initial application, it is important to develop the SSA file with all relevant medical records. Be sure to get medical evaluations of all its problems, including psychological.
Remember that if your initial request was denied, there are several stages of review and appeal through the agency (including a hearing before an administrative law judge) and a federal court. Please do not miss deadlines for the review.
If you have questions about the SSDI application, call the Social Security Administration SSDI and an experienced lawyer as soon as possible. An attorney with experience in disability benefits Social Security can be crucial to help present your case and ensure its benefits.
