Long Term Disability

As we mentioned in other articles,the main purpose of disability insurance is to to replace an individual’s income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. You must be totally disabled from employment and meet the Social Security Administration requirements for prior earnings. People with disabilities can apply for Social Security disability benefits either online at or by calling the toll-free number: 1-800-772-1213.

In my opinion, over 80{1f8d515e9d34c4c3752314aee5074eaaf10287210e041277b0a6e932d141a9b2} of the individuals whose cases I review have a valid claim. The Difference Between Social Security Disability (SSD) and Supplemental Security Income (SSI) Social Security Disability Insurance Benefits (DIB) are available to disabled workers who paid enough earnings into the Social Security system.

Furthermore, children and spouses of deceased individuals who accumulated enough SSA earnings prior to death may be eligible for benefits. Only eight percent of non-disabled workers are self-employed, whereas fourteen percent of workers with disabilities are self-employed.

Disabled persons’ powerless and socially inferior position was reinforced in such circumstances, however sympathetic and dedicated these professionals were in carrying out their duties. Following the medical model the disabled were segregated from ‘normal’ people and seen as deficient, lacking in self-efficacy, needing care.

Too often a legitimate disabled people are not awarded SSI Disability or SSDI benefits because they were unable to present the Social Security Administration (SSA) with sufficient evidence and documentation to prove their disability. This results in your disability application taking longer to process.