Many people in San Diego who apply for disability benefits wind up having their applications denied, even when they do have an injury or illness that keeps them out of work. In these circumstances, an applicant who needs benefits may need to request to have a review hearing before an Administrative Law Judge.
A number of studies have demonstrated that a 20-year-old worker has a 1-in-4 chance of becoming totally disabled before reaching full retirement age. That percentage is likely to grow as Congress increases the full retirement age from 65 to 67 and beyond. Total disability can be a financial disaster because it almost always causes a large drop in a person's earning capacity. Fortunately for disability victims, the Social Security Administration administers a program that provides significant financial support for permanently disabled persons: the Social Security Disability Insurance (SSDI) program.