It can actually be emotionally devastating to apply for Social Security Disability.
In some senses, though life insurance is very important if you pass away, some experts argue that disability insurance is even more valuable. A life-long disability can result in the same loss of income, but the related costs for you and your family -- medications, in-home care, etc -- could be vastly higher. They don't end in many cases. These are costs you have for life.
If you've filed for Social Security Disability (SSD) benefits, you may not have enough medical evidence to prove your case -- but that doesn't mean that you aren't disabled.
For the person living with a disability or serious injury that forever changes their life, the moment that the disability or injury left them unable to work is crystal clear to them. They will never forget it. But how you personally feel about your disability and the moment it started affecting you may not align with how the Social Security Administration views your disability or injury. In fact, these dates are often quite different.
Taking the leap to file for Social Security Disability benefits? If so, there are a few things that you want to make certain that you understand before you start.
Social Security is a federal program, with national guidelines on how qualified workers may claim disability benefits due to permanent or temporary work-preventing illness and injury. Qualifications for disability funds are universal, while each state has its own procedures for verifying claims.
You applied for Social Security Disability (SSD)
A very important part of a disability determination in the Social Security Disability Insurance program is Dictionary of Occupational Titles (DOT). This large dictionary was a compilation of job descriptions and what each job entails. It is used for a disability determination, as it is one of the tools used by SSA to decide if an applicant is able to do any other type of work given their impairments or limitations.
Healthcare is always a personal experience. You may read of the experience of others, but it is never quite the same thing, as when you experience yourself. For some medical conditions, like heart disease, cancer or Alzheimer's, you can imagine the stress and the fear that someone else may feel after being diagnosed, but nothing can fully prepare you to deal with it when it becomes all too real.