If anyone in your family has received Social Security Disability benefits, you know how that monthly check can be a lifesaver for everyone in the household. When, due to illness or injury, you can no longer work to earn a living, the Social Security Disability Insurance program can provide you and your family with much-needed income. But if the disabled recipient passes away, does that income disappear?
With more than 200 types of cancer currently and around 1.7 million new cancer cases discovered every year, it is not surprising that it is included as a covered condition in the Social Security Administration's Blue Book of recognized disabilities. However, not all cancers are included in the listings-that depends on where the cancer originates, the extent of the body's involvement, duration and response to anti-cancer treatment and effects of post-therapeutic residuals.
A physical or cognitive disability that suddenly leaves a normally productive California resident unable to go to work, complete routine tasks or become unable to take care of other family members can be emotionally frustrating. Not to mention, it is also financially overwhelming to suddenly see bills pile up and be unable to do anything about it because one no longer has a job.
When a health issue takes a California resident out of the workforce, many people mistakenly believe the disabled individual is enjoying their time away from work while receiving Social Security Disability benefits. However, nothing is further from the truth-without a job, many people feel they have lost their sense of purpose and community. Additionally, SSD benefits provide a bare minimum amount of financial compensation-it helps recipients get by and make ends meet, but in no way does it replace the earnings they were likely receiving when they were earning.
When applying for Social Security Disability (SSD) benefits, it is important to know what to expect from the process. This can help prepare applicants for what might be a long road.
When applying for Social Security Disability benefits, many people focus on the medical aspect of the application and make sure that there are no mistakes in that. While that's very important, as medical ineligibility is a common reason SSD benefits are denied in the first instance, its also important to look at non-medical reasons for denial of SSD claims. It might come as a surprise to California residents that a claim can be denied before it ever reaches a disability examiner or getting a medical determination. Then what other reasons are there for a denial?
It can be extremely frustrating for formerly active and independent California residents to suddenly be out of the workforce and dependent on everyone else for their basic needs due to a sudden injury or ailment that has rendered them incapable of working. It is also financially devastating, which many people do not expect. This is why Social Security Disability benefits are so important for the applicant-the benefits, which may seem meager to many, may be the thread holding the family together post disability.
Asking for help may be difficult for California residents who have spent their lives working hard to remain financially independent but suddenly find themselves unable to work due to a disabling condition. Getting them to file for Social Security Disability benefits is a triumph in and of itself, given the perceived stigma attached to getting SSD benefits, but when budget cuts threaten the Social Security Administration's ability to provide effective and timely service, even the most patient person may reconsider their application.
It may come as no surprise to California residents that back pain is a common ailment across the country. In fact, back pain is one of the most common reasons for Social Security Disability applications and also commonly refused because intermittent or moderate back pain are not covered by it.