Skip to main content
Accessibility  |  Contact  |  Privacy  |  Terms of Service

Raising Awareness of Social Security Disability Insurance

  • Published: 2011-06-12 : Author: Marshall W. Conick, Attorney at Law
  • Synopsis: Disability insurance either short or long-term protects workers financially when they become disabled from working.

Main Document

Disability insurance either short or long-term protects workers financially when they become disabled.

Disability Can Happen to Anyone

The nonprofit Council for Disability Awareness has compiled important statistics on its website that show how financially vulnerable we are as a society to sudden disability:

Social Security Disability Insurance

People think of disability insurance as something that is either part of an employment benefits package or privately purchased. Disability insurance - either short or long-term - protects workers financially when they become disabled from working. While that is true, another important financial support program is available to most U.S. workers through the Social Security Disability program.

If someone says he or she is getting Social Security benefits, most would assume that person is getting the retirement benefits from the federal government we all expect and plan for. The typical American worker has always seen a small amount withheld from every paycheck to send to Uncle Sam to put aside for our collective retirement fund.

Many people are not aware that the money contributed to Social Security in this way also funds a disability insurance program for our benefit: Social Security Disability Insurance. SSDI is public disability insurance available to most workers who have pretty consistently worked over their lives and who face disabling conditions that keep them from working, and are expected to last at least a year or result in death.

The Council for Disability Awareness reports that at the end of March 2011, more than five percent of American workers were SSDI beneficiaries. And while SSDI is helpful and important, its benefits are modest. For example, the average monthly SSDI benefit was $1,065 in June 2010, with benefit amounts slightly higher for men than for women.

No matter how modest the payments might be, however, SSDI benefits are a way for some to avoid slipping into poverty.

SSDI Eligibility

Eligibility requirements for SSDI are complicated. Basically, you have to have worked long enough and recently enough to qualify, and "have a medical condition that has prevented you from working or is expected to prevent you from working for at least 12 months or end in death."

The Social Security Administration applies a five-step process to its analysis of eligibility:

From the initial application, it is important to develop your SSA file with all relevant medical records. Be sure you get medical assessments of all your problems, including those that are psychological in nature.

Remember that if your initial application is denied, there are several more steps of review and appeal through the agency (including a hearing before an administrative law judge) and into federal court. Be careful not to miss deadlines for review.

If you have questions about applying for SSDI, talk to the Social Security Administration and an experienced SSDI attorney as soon as possible. A knowledgeable social security disability lawyer may be crucial to helping you present your case and securing your benefits.

Article provided by Marshall W. Conick, Attorney at Law - Visit us at

Similar Topics

1 : Survey Reveals Americans Underestimate Risk of Disability : Anthem, Inc..
2 : Things to Consider When Buying Disability Insurance :
3 : Income Protection for Medical Residents and Fellows : Secura Consultants.
4 : Dealing with ERISA When it Comes to Eating Disorders : Kantor and Kantor .
5 : Canadian Workers Not Prepared for Financial Impact of Disability : RBC Insurance.
From our Insurance section - Full List (162 Items)

Submit disability news, coming events, as well as assistive technology product news and reviews.

Loan Information for low income singles, families, seniors and disabled. Includes home, vehicle and personal loans.

Famous People with Disabilities - Well known people with disabilities and conditions who contributed to society.

List of awareness ribbon colors and their meaning. Also see our calendar of awareness dates.

Blood Pressure Chart - What should your blood pressure be, and information on blood group types/compatibility.

1 : Being a Clone of Itself May Make Toenail Fungus Vulnerable to New Treatments
2 : How Often Do Medical Problems Lead to Bankruptcy?
3 : Videocamp Launches $400,000 Fund and Challenges Filmmakers to Create a Film About Inclusive Education
4 : vEAR: Why Can I Sometimes 'Hear' Silent Flashes When Viewing Animated Gif's?
5 : New Jersey Digital Art Program for Individuals with ASD


Disclaimer: This site does not employ and is not overseen by medical professionals. Content on Disabled World is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition. See our Terms of Service for more information.

Reporting Errors: Disabled World is an independent website, your assistance in reporting outdated or inaccurate information is appreciated. If you find an error please let us know.