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Many workers suffer a disability before retirement age

February is American Health Month, Feb. 4 is World Cancer Day, and Feb. 14 is National Donor Day.  Besides raising awareness of just how many people can be affected by health concerns, this also reminds us that all of us are in some way or another affected by a disability.

For example, whether it happens to be a friend or family member we likely have a connection with someone affected by heart disease.  There are 700,000 Americans who suffer a heart attack every year and another 600,000 who die from heart disease.

It's important to remember that a disability onset is difficult to predict and can affect individuals of all ages. A quarter of 20-year-old workers will suffer a disability before the age of retirement. As these disabilities can deprive individuals of the opportunity to earn a living, the need for Social Security disability insurance is vital.

Credits are earned by Michigan workers all the while they pay in Social Security taxes. Instead of going towards retirement payments, there are circumstances where the credits will go towards paying for SSDI benefits. To qualify one is required to work for 10 years. However, there are circumstances where a younger worker can receive benefits when only having worked a year-and-a-half.

Unfortunately disability benefits are not always awarded. On the other hand, it's important to know that a denial does not end the process as these matters can be appealed. Still it's best to make certain a claim is filed correctly to begin with so that hopefully an appeal is unnecessary.

While most applicants will have extremely limited exposure to the application process, experienced disability attorneys do deal with the process on a daily basis. These attorneys can walk clients through the entire procedure and make certain an application is filed in the best possible manner to ensure success.

Source: TriCities.com, "Disability benefits for what (severely) ails you," Trevor Drozdowski, Feb. 5, 2014

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