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.
As this blog often notes, it isn't easy to successfully apply for Social Security Disability benefits. The Social Security Administration rejects a majority of first-time applications, and although applicants get chances to appeal this rejection, getting through the bureaucracy can be difficult.
As they get older, Americans must think about saving up for retirement, and many come up with a simple plan: Work longer. Many Americans are working past age 65. Staying in the workforce longer can, of course, help a person to save up more money. There are also tax advantages to this strategy, as workers can save their money in a 401(k) or other retirement account that avoids or defers taxation.
It is a common misconception that disabilities only affect individuals' physical conditions. In reality, however, a disability can be invisible to the naked eye. Millions of men and women in California and throughout the nation suffer from mental illnesses and disorders that are seriously disabling and life-altering.
Disabilities can impact different individuals in different ways. While one person may suffer from a permanent physical ailment that limits their capacity to move, another may suffer from a mental illness that prevents them from successfully interacting with other individuals. California residents who suffer from disabilities may be able to secure disability benefits from the Social Security Administration.
California residents may endure a long wait to find out if they have been approved for disability benefits from the Social Security Administration. Disability benefits are an important source of support for men, women and children who cannot work due to disabling illnesses, injuries or conditions, and who do not have other sources of income or funding. Once they are issued, disability benefits can be reviewed and evaluated to determine if their recipients still qualify for them.
Many California residents may have heard about the difficulties of applying for Social Security Disability benefits and how the process can be overwhelming for someone who is already suffering from a medical condition that is preventing them from performing many basic functions. The rejection rate shows that only about one-third of first-time applicants get accepted, which is cause for alarm for those who are applying for SSD benefits.
As a previous post here mentioned, it is important to understand which disability benefits plan administered by the Social Security Administration an applicant might qualify for. Otherwise, California residents may find themselves wasting time and effort applying for benefits they could not receive and then becoming too disheartened from applying from the ones they potentially could. The differences between Social Security Disability benefits and Supplemental Security income were pointed out in a previous post, but it is important to understand the specific criteria of eligibility for SSI benefits.
Payroll taxes are the main source of funding for Social Security Disability benefits. SSD benefits are available to those who have worked for a certain number of years and have made the necessary contributions to the Social Security trust fund through various taxes. However, the Social Security Administration also administers disability benefits through another program-Supplemental Security Income.