Disability Insurance Awareness Month: A Time to Reflect on SSDI

May is Disability Insurance Awareness Month (DIAM), a month to reflect on protecting your future and your family should you ever become disabled. Sponsored by the Life and Health Insurance Foundation for Education (LIFE Foundation), a nonprofit organization that raises awareness of insurance issues, DIAM is meant to raise awareness and advise workers about their disability insurance options.

According to the Social Security Administration (SSA), there is a 30 percent chance that someone will become disabled before retiring. That statistic is one of the many reasons to take the time to understand your options. Some questions to ask yourself include: Will you be able to receive Social Security Disability Insurance (SSDI) if you become disabled? Does your employer offer sufficient disability coverage? How much money will you receive per month if you become disabled?

Social Security Disability Insurance: An Option for Disabled Workers

Social Security Disability Insurance is a federal program paid for by payroll taxes. It is generally available to individuals who:

  • Are under 65 years of age (after 65, the benefits are considered retirement benefits)
  • Have worked in jobs considered Social Security-eligible and have earned 40 "credits" (in 2011, every $1,120 is worth one credit), including 20 credits in the last ten years
  • Have a severe disability that is terminal or will prevent them from working for at least a year

Those who qualify for SSDI also qualify for Medicare after two years of receiving SSDI.

Unfortunately, qualifying for SSDI is not simple. The SSA denies more than 70 percent of initial SSDI applications, and individuals are often left going through multiple SSDI appeals processes before (if) they receive relief. Having an experienced SSDI attorney on your side can help you understand your options and increase your chances for success.

Source: http://www.lifehappens.org/disability-insurance-awareness-month/

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In Minnesota, we handle Social Security Disability Insurance (SSDI) claims. Throughout the nation, we handle SSDI applications and appeals for people from Ohio to Kansas, North Dakota to Texas and everywhere in between.

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