Disability Insurance 09

This phrase is used for the description of people who have been subjected to a long term disability following injury to the mind, the body or a mixture of both of them before coming of age. The three basic definitions of total disability are own-occupation disability insurance, income-replacement insurance, and gainful-occupation coverage. A person forced to go on disability retirement prematurely without the financial security to afford retirement.

If a claimant would have to miss at least three days a month from work just for gamma globulin treatments, it would make it very difficult for that individual to hold down full-time employment. To start the reconsideration process you must call Social Security’s toll-free number or visit the local office and fill out a disability reconsideration package.

Any children you have that are under the age of 18 (or over age 18 and disabled before age 22), may also qualify for 50{1f8d515e9d34c4c3752314aee5074eaaf10287210e041277b0a6e932d141a9b2} of the amount you are receiving. Perhaps it is a single mother with a special needs child; perhaps a middle-aged man who was retrenched from his job and is unsuccessful in finding alternative employment due to the specialized nature of his qualifications and experience.

Many people have been told they must wait either from five (5) to twelve (12) months after they stop working before they can file a claim with SSA…this is simply not true! Too many people file their claims years after they have stopped working…this is a tremendous mistake and usually will cost them benefits and possibly their claim.

Disability is intended for people who are so severely disabled that they cannot do the work they did before they become ill or injured. The first step to receiving disability benefits is to apply. The disability hearing before a judge is typically the single most important event that will occur in the disability process.