The Social Security Administration (SSA) released a research claiming that once workers turn 20, they are subjected to three in ten chances of being disabled. This is quite a scary thought for people who dream and do everything they could to land a promising career or have a bright future.
Nonetheless, instead of shrugging off the said possibility, workers should instead face it head-on and find ways to deal with it.
It is quite fortunate that the United States government had long thought of this and made a corresponding safety net for the employment sector. Such insurance is achieved with the taxes that workers pay. In the event of a disability, insured workers could get the help that they need given their sudden physical handicap.
Medication rates can be very high; and, as a result, employees may not easily find ways to foot their hospital bills or buy doctors' prescriptions. The doctors' fees are another concern; however, with the social security disability benefits, such fees will be covered in behalf of the insured employees. However, employees must be able to pay the insurance long enough to be sure that there would be sufficient funds for their ailment. The beneficiaries are not only composed of the workers, but of their family members as well.
The following are the necessities that every worker, who wants to avail the disability program of the SSA, must satisfy to qualify for disability benefits:
Has a mental or physical condition that does not enable the applicant to have a “substantial gainful activity” – the rule or measure that the SSA utilizes in determining its rightful claimants.The disability is expected to last for more than 12 months or may end in death.These people are below the retiring age of 65.The worker must have gained 20 social security credits for the last 10 years before having the disability. SSA provides four credits per year. More so, one credit is given to an employee who is already above 42.
Most importantly, a California disability attorney is very useful in such cases. They can perform different functions as the claim progresses and can be an ally for any employee who does not have firsthand knowledge in getting disability claims.