Less than one in three workers in the country have private disability insurance, which means that if they sustain an injury that prevents them from working they may have no means of assistance. Social Security Disability Insurance is the one safety net that more than 155 million workers rely on, as they are insured through their payroll or FICA taxes.
Not only is it frustrating to not be able to work and continue to remain financially independent, it is also economically devastating. It can also be life threatening when people who need to purchase medicines and get medical treatment are unable to do so because they do not have the financial means to do so. At times like these, Social Security Disability benefits can become the safety net that prevents California residents from falling. Therefore, it can be worrisome when these benefits either do not materialize at all or do not become available on time.
Although it is perhaps our nation's most important social program, most people, including those who live in California, probably know very little about Social Security benefits, especially SSD benefits. Therefore, it may come as a surprise to them that more than 62 million people receive a guaranteed payout from the Social Security Administration monthly, of which more than 20 million rely on these benefits to keep them out of poverty. Additionally, 175 millions workers are covered by this security net in case they die untimely or are severely injured.
When California residents imagine their old age, very few imagine they would become disabled or unable to work due to a chronic illness. However, one in four of people currently in their twenties is likely to become disabled before they reach the age of 67, according to the Social Security Administration. Since it is a real possibility, preparing for it is very important. One way to prepare is to know the basics about Social Security Disability benefits.
Everyday injuries and illnesses can prevent San Diego residents from getting out of bed and getting to their places of employment. When these transient ailments attack, individuals may have to take a day or two off of work so that they can recuperate and come back feeling ready to accomplish their tasks. While short-term physical harm can be detrimental to a person's career, it generally will not disrupt their ability to earn an income for more than a few days.
California residents who are injured in a work-related accident may be unable to return to work right away. If workers are disabled, as per the Social Security Administration's definition of the term, they might be able to file and collect SSD benefits for their disabling condition. But what happens if the injured individual is also collecting workers' compensation? Does one type of benefit affect the other?
A previous post here mentioned that there are certain ways to improve a Social Security Disability application to get it accepted on the first try. Although there is no way to guarantee that an application does not become one of the 66 percent of SSD applications that is rejected on the first instance, ensuring that paperwork is in order and evidence is in place can go a long way in getting an application approved.
Although it is not possible to guarantee the success of a first time Social Security Disability application, there are certain steps California residents can take to attempt to improve the chances of their application getting accepted on the first try. Those who are applying are probably aware that they are facing daunting waiting times with dwindling resources for SSD benefits and that initial applications are more than 70 percent likely to be rejected on the first instance.
What may seem like an ordinary headache to many and no cause for concern can often escalate into pain so severe that a sufferer is unable to move, much less work. Migraines are much worse than severe headaches. They often cause nausea, light and noise sensitivity, imbalance and fatigue. Although the 18 percent of people across the country who suffer from migraines may only get an attack once or twice a week, the symptoms can plague them on a daily basis. Research has found that 14 million Americans are affected by chronic fatigue and debilitating pain because of migraines on a daily basis. 90 percent of those who suffer from migraines are unable to work or move for hours, or even days, after they have had a migraine attack.
Submitting a Social Security Disability application is not the end of the road for many California residents-less than half of all first time SSD applications are accepted in the first attempt. A denial of SSD claims may seem disheartening but it doesn't have to be, because the Social Security Administration has a comprehensive appeals process that can be utilized to ensure the decision reached is the correct one.