Robert D. Paulbeck, Attorney at Law
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Women in need for Social Security Disability

Though much has changed for Michigan women in the workforce during recent years, problems continue to arise that can be particularly unique to their gender. Their economic circumstances tend to be different since women on average earn less but live longer than men. Women in dire financial circumstances who are unable to work because of an illness or injury are likely to be even more dependent upon Social Security Disability than men.

Women should seek whatever financial advice they can find to specifically make plans concerning their personal circumstances. This includes estimating retirement benefits that the individual woman will receive from Social Security, and it also includes making changes to ones 401K to determine what other supplemental income can be counted on during retirement years.

Some factors that highlight the specialized needs of women can include:

  • Though women do live longer, they're also more likely to face critical health problems and disabilities that may interfere with their ability to work.
  • Though circumstances have improved, women overall still only earn 80 percent of the income that men earn.
  • Though women are increasingly more educated, they still earn far fewer degrees in a number of high-paying fields.
  • Though more women are employed, only 75 percent of them work outside of the home, and many that do work outside of the home work part-time and are more likely than men to take time off to care for children or elderly parents.

Especially where it concerns single mothers, women that are disabled are much more likely than men to live in poverty. There are websites that can help out specifically concerning Social Security Disability and women, but women in such circumstances would also be highly recommended to contact attorneys experienced in the Social Security Disability area. Filing for Social Security Disability is often complex and involves leaping through a number of hurdles. It is well worth one's time to make sure such a disability application is filed correctly as this will increase the chances of a denial.

Source: Minuteman News Center, "Hurdles, challenges women face in personal finance," by Jason Alerman, Jan. 11, 2012

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