Here’s What You Must Know About Social Security Disability Insurance Law

If your medical condition prevents you from taking a job or find employment, you might be eligible to get disability benefits under the Social Security Disability Insurance Law. To qualify for Social Security Disability Insurance (SSDI), the Social Security Administration has set up a few norms.

– The person cannot work as before

– The person has a condition, usually physical disability, which prevents him in engaging in profitable activities to earn a living.

– The disability is expected to last at least for a year or has been the same for more than a year.

– The person has a disability that can eventually result in death

– The person cannot take up or adjust to a job, because the medical condition makes it hard to do so.

It might be confusing for people to understand if they qualify for SSDI benefits, which is why many choose to get in touch with a lawyer. As for the amount paid, it largely depends on the average of past earnings of the person. As for 2017, the monthly disability payment on an average was $1171, with maximum benefit reaching about $2,687.

When to seek legal help?

Thanks to the formalities involved, one can be denied SSDI benefits, and such cases are not uncommon. In fact, legal experts and lawyers can solve the issue for you. The first step is to understand if you are actually eligible to get the benefits under Social Security Disability Insurance Law. Your lawyer will explain everything in detail, following which the follow steps are to be taken.

– Completing the application. The paperwork involved in Social Security Disability Insurance Law application can be complicated at best. Many people are not sure of how to go ahead, which is why they seek legal expertise on the matter. The lawyer’s team can ensure that the trail of papers is completed as per requirements.

– Assistance with the reconsideration. Applications are often rejected, as mentioned earlier, and if that has occurred, do not panic or lose hope. Talk to your lawyer, who can file a request for reconsideration. Do not delay with the step, because the reconsideration request must be filed within 60 days after the first application is rejected.

– The third step is about Administrative Law Judge Hearing, which is required when the request for reconsideration is denied, as well. Another application will be moved by your lawyer before an Administrative Law Judge.

If your lawyer is competent, you can win the case in your favor in no time. It is important that you choose the right attorney for Social Security Disability Insurance Law application and follow-up procedures, if required. Take your time to evaluate the legal services available, and don’t shy away from asking relevant questions. Keep in mind that your lawyer can save considerable time and money, and their payments are usually linked with the services they provide. Ask for references and meet your legal team in person before taking the final call on moving an application.

Myths About Disability and the Need for Disability Insurance

People with physical problems are a familiar site. In wheelchairs or on crutches, blind or even deaf we have all crossed paths with a disabled person as some stage in our lives. What do you feel when you see a disabled person? Pity, curiosity or even fear? Do you know how to behave in their presence or are you worried that you might stare or say something inappropriate? Read on for some of the leading myths about disabled people and find out why you need disability insurance.

Myth One: Disabled People Need To Be Helped

In most instances disabled people are perfectly capable of taking care of themselves. If they need help they will ask for it! Do not assume they cannot perform certain tasks!

Myth Two: Don’t Ask Uncomfortable Questions

People with physical disabilities would rather you asked questions about their disability than avoided the issue. Let curious children ask the questions they need to.

Myth Three: People With Disabilities Cannot Work Or Contribute At Home

Disabled people are skilled just like you and me and make many important contributions at work and at home.

Myth Four: People with Disabilities Are Depressed

Yes, illness might cause depression but disabled people are not chronically depressed and should not be treated as such. Disability is not a death sentence!

Myth Five: Physically Disabled People Lead Very Different Lives

The people lead very normal lives just like you and me. They go to school and to work, they fall in love, and they have friends.

Myth Six: Disabled People Have No Real Future

Disabled people have dreams and ambitions just like you and me and the ability to realize these dreams. Take our paralympians for example, many of whom have achieved great things.

Myth Seven: It Will Never Happen To Me

Disability is a reality for all of us. Accidents and even illnesses can all cause lasting disability that could change our lives forever.

Disability insurance

Are you financially prepared for the worst? For the day that you are disabled due to illness or injury and can no longer support your partner or spouse and family? If not, have you heard of disability insurance? A disability insurance policy will provide a pay-out if you are ever disabled and unable to work, replacing all or part of your income and keeping your family financially afloat.

Don’t be misled by the myths surrounding disability and protect your family’s future income today!

What Type of Disability Insurance Is Right for Me?

In the event of an accident, injury or illness that prevents you from working, disability insurance provides you with a percentage of your income. But not every disability insurance policy is the same. In fact, almost all of them will compensate different percentages of your income (generally between 50 and 70 per cent), along with different elimination periods and benefit periods. Elimination periods refers to the length of time to wait before your benefits kick in. Benefits periods refers to the length of time benefits will be payable, which depends on your disability and the policy you take out.

Most plans have a start date ranging from 30 days to 120 days after a disability has occurred. Coverage generally focuses on sickness or injury, and your plan cannot change without your permission until you are 65 years old.

In general, experts agree that disability insurance is a must for people, whether you are on a group plan with an employer or you take out an individual policy for yourself. But with so many plans available, it is important to understand the differences among each. Here's a breakdown of the major disability insurance types available:

• Group Disability Plans: This is the most common type of disability insurance plan and they are typically offered through your employer. The lowest tier of group coverage is often focused on affordability, which is beneficial, but it does mean that the benefits and payouts can vary drastically. Bear in mind that group plans generally will not cover your income levels significantly, and this can be difficult in times when you cannot work. They also often have monthly or annual caps on the dollar amount that will be paid, and set up maximum timeframes that may be shorter than what you require. Group plans should always be read carefully since you can often discover that what you may have thought you would be getting is quite different from what you actually get.

• Individual Disability Plans: If you are without a group plan or do not like your group plan, you can always opt for an individual disability insurance policy. Without a group, pricing is often very different and will be tailored to your unique situation and needs, which can be both a benefit and drawback. In general, plans are cheaper if you are young, healthy, and work a low-risk job compared to if you are older, in poor health, or work a job that is considered high risk for disability. Still, looking at your individual options means that you could find a plan that fits your needs, wants and budget more-so than a group plan. Doing the research could result in a better policy and position for yourself.

• Creditor disability insurance: Disability insurance is now commonly attached to debts, like car loans, leases, mortgages and lines of credit. With creditor disability insurance, your financial institution buys a group policy, and you become part of the policy when you take out a loan with that institution. These policies make loan payments on your behalf rather than sending the money directly to you.

While group plans are less expensive in general, individual plans offer better coverage and can be tailored to your specific needs, including better terms and conditions when compared to a group plan. Remember that premiums, terms and conditions are locked in until you turn 65, unless changes are made with your express permission. Individual plans are an excellent option for self-employed individuals, as well as professionals and executives, since they can have an "own occupation" definition of disability. That means an insurance company cannot force you to work in another occupation based on your experience and training, an important feature for many professionals. Professionals should be wary of association disability plans, since terms, conditions and rates for these group policies can change at any time, and often do.

If you are in need of disability insurance, be sure to do your research on any policy you take out or are currently under.