You don't know what you have until it's gone

Many Americans can be dismissive of Social Security Disability. They are not disabled, and so they may feel the program is too big, too generous and because they are not disabled themselves, may feel the program is unnecessary or a boondoggle. They are unmoved by worries regarding the solvency of the SSD program.

Then, "it" happens.

They fall while walking down their stairs at home, have an accident with an uninsured motorist, slip off a ladder while doing routine home maintenance. It doesn't matter how, except that there is no or only very limited insurance for the injury and what is worse, it prevents them from being able to continue with their previous type of work.

If they are now unable to earn income, how will they pay their bills?

At that point, SSDI becomes a critical component of their future. With the help of an SSDI attorney, who can assemble the mass of medical documents that demonstrate to the Social Security Administration the extent of their disability, they can obtain benefits that can help them pay those bills.

It is easy to pretend the program is unimportant when your health is perfect. Good health is one of those things that most Americans take for granted, but what they may not realize that that it can go away in an instant. At that point, it is too late to attempt to purchase a long-term disability insurance policy, if you could afford it.

But most Americans are already covered by SSDI and while the application process is rigorous, with the right help, those suffering from medical conditions that prevent their working can obtain the benefits that they desperately need.

Source: Americanprogress.org, "Social Security Disability Insurance: A Bedrock of Security for American Workers," Rebecca Vallas and Shawn Fremstad, June 16, 2015

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