If you ask anyone who has successfully obtained Social Security Disability benefits, they will likely tell you that it is definitely not like unemployment. The process of applying for benefits and then, if necessary, appealing the initial denial, waiting for a hearing, and eventually being approved is substantially more demanding and difficult.
Disability claims for Social Security Disability are complex. This is due to many factors, but especially because the standard that SSA uses is fluid. There is no single factor, such as a medical condition or your work experience that is determinative. The test for disability is the inability to engage in "substantial gainful activity" and that that condition has lasted at least 12 months or is terminal.
The Washington Post published a story recently that examined a family in Alabama and highlighted the growth of Social Security Disability recipients in rural counties across America. They included a map that shows rural southeastern Missouri also has concentrations of SSD beneficiaries.
The current administration's budget director commented over the weekend that Social Security Disability is a "very wasteful program," that it is "the fastest growing" and that the disability component is not something most people think of when they think of Social Security. That SSD is characterized as "very" wasteful is usually the cue to make an argument that the program needs "reform" or, as he put, "fixed."
One criticism of Social Security Disability Insurance is that the program could do more to help individuals within the system to return to work. SSD does have a program that does allow those whose health has improved enough that they may try to return to the workforce.
Many people are have life insurance. They buy it to protect their family from their premature death. Given all of the recurring expenses most people face, having life insurance seems like a good idea, as it would permit a family to pay off a home or cover other major expenses, at least for some period of time.
For many applicants applying for Social Security Disability benefits, the process is often slow. It typically takes at least five months for a claim to be processed and for benefits to begin. For many, it may take years, if they must appeal a denial.
There is a great deal of information required on your application for Social Security Disability. You may be somewhat intimidated by the process. In looking over the requirements for the application, even if you were in good health with no physical or mental issues, it could be difficult. If you are ill, have a chronic medical condition or mental impairments that have worsened to the point where you can no longer work, the prospect of putting together all of the necessary information can be especially challenging.
While most people are familiar with the concept of dates and deadlines, when it comes to legal proceedings, you need to be certain you understand their importance. When you apply for Social Security Disability benefits, your initial filing date can be important. While you can file anytime after you have become disabled, usually the sooner you file, the better.
Filling out the application for Social Security Disability benefits can be intimidating. It is relatively long and if you provide the proper documentation to support your claim for disability, it may take some time to get everything together. This may lead some people to make the mistake of delaying their application. Don't do this.