Disability Insurance 06

Disability insurance is a form of insurance designed to provide periodic income to a policyholder in the event of his/her inability to work as a result of sickness or injury. Still, there are apologists for the medical model of disability. In West Virginia, like every other state, the best chance for winning disability benefits is at the second appeal level. Some companies will simply index the benefit based on a flat percentage. There is not much you can do about this, except to make sure you show up on your hearing day so your claim is not postponed or denied on that basis.

Even if you have no opportunity to hire a candidate with a disability, make your business a disabled-friendly establishment. Some disability cases have been brought before the European Court of Human Rights. I. Acquired disability is a permanent impairment experienced as a result of some accident or mishap.

It owed its existence to advances in science and medicine which placed disabled individuals into medical categories for the convenience of medical practitioners and other health professionals. For Oliver and others working in the disability field around the 1970s disability was a social state and not a medical condition.

Your benefit will continue until you recover and your disability ends or until you reach your normal retirement age, at which time your benefits will switch over to retirement benefits. Disability benefits are payable monthly and the amounts are indexed to go up each year according to increases in the Consumer Price Index.

My experience is that SSA will usually develop a case against you from the day your claim is filed. And also, do not exceed the allowed income limits once you have been approved, or your benefits will stop and you may have to pay Social Security back. If you do qualify for disability, your benefit will be based on your lifetime earning’s record.