Reasons to File for Disability
- An individual can file for disability through the Social Security Administration if diagnosed with a specific disability that interferes with her ability to perform work that was previously accomplished, she cannot adjust to a new form of work based on her medical condition or if she has a terminal illness that is expected to result in death. Social Security pays only for total disability; benefits are not paid for partial or short-term disability.
- There are two programs through Social Security that provide benefits based on disability -- Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Social Security Disability Insurance is based on the individual's prior work experience, whereas Supplemental Security Income is determined through financial need. The amount of Social Security disability benefit received is calculated through the applicant's earnings throughout his work life.
- An individual can file for short- or long-term disability through different organizations based on the type and severity of the disability. Disability programs are offered through many employers and insurance companies. The requirements for disability vary for each insurance company or employer. Typically, term disability insurance provides coverage for non-work-related disabilities, such as pregnancy, injury or illness. A monthly percentage based on your gross income is paid to an individual on short- or long-term disability.
- In the event of an injury, illness or extended period of time that you are unable to work, disability helps you maintain your current standard of living. Without disability payments, many people cannot afford to be out of work. If your employer does not offer any disability benefits or insurance, you can purchase disability insurance online through several agencies. Proof of disability, earnings and the date the disability began must be submitted to process the claim.