The United States has a number of great programs out there which are specifically designed to help citizens who may be in need. One of the most prominent federal programs is Social Security Disability Insurance (SSDI.) SSDI provides monetary assistance to certain individuals who are no longer able to earn a living due to physical or mental disabilities that prevent them from holding a job. Because you may not have heard very much about SSDI, it's possible for you to qualify for it without your knowledge. You don't have to live without financial means another day. If anything on the list below seems to apply to you, it's time to apply for disability benefits.
1. You Can No Longer Work Jobs That You've Had In The Past
In order to obtain disability benefits, you must have worked enough to build up a certain number of credits. You will currently need approximately 40 credits to qualify for benefits, and at least 20 of those would have to have been earned during the last ten years.
Disability insurance is basically like a pool that all tax-paying workers pay into. The money is deducted from each person's paycheck and can be looked at like a form of insurance. As long as you've put enough money into the pot you should be able to draw on those funds should there ever come a time when you are so injured that you just can't work anymore.
Think about all of the jobs that you've held in the past. Are you so physically or mentally restricted that it would be impossible for you to return to them? If you are unable to do so it could mean that you are indeed severely disabled and will require assistance to take care of your financial responsibilities.
2. Find Your Disability On The Official List
There is a list of ailments, impairments, and diseases which will almost automatically guarantee that you will receive disability. Look through this list and if you see your disability noted amongst the group you need to go ahead and apply. It doesn't matter if you've been battling with the malady for many years. Getting approved right now could mean that you qualify for retroactive payments as well.
You shouldn't have to wonder how you're going to support yourself because you've become disabled. Take the time to fill out an SSDI application as thoroughly as possible and see what could happen. For more information, contact your local social security benefits lawyer.
