| Disability insurance is a form of insurance designed to | | | | (physical or mental) or accident. They are meant to be |
| provide periodic income to a policyholder in the event | | | | used short-term to get you back to health and back to |
| of his/her inability to work as a result of sickness or | | | | working again. If you have an injury or illness that |
| injury. Disability insurance with coverage for periods | | | | prevents you from working, be sure to check with the |
| longer than six months is termed long-term disability | | | | Social Security Administration to see if you are eligible |
| insurance. | | | | for benefits. |
| To apply for Social Security Disability you will need to | | | | Short term disability income insurance covers the first |
| schedule an appointment by calling Social Security’s | | | | few months you are disabled and the benefits of |
| toll-free number. Your disability will be evaluated by an | | | | short-term disability income insurance, are many . Short |
| agency of the State you are currently residing; this | | | | term disability income insurance is a temporary relief |
| evaluation typically takes 120 days to complete. If your | | | | though. If your condition prevents you from working for |
| application is approved you will start receiving disability | | | | more than the covered period, then you will need to |
| payments after the mandatory five month waiting | | | | rely on long term disability income insurance. |
| period. | | | | When you are receiving disability benefits or SSI from |
| The medical requirements for Social Security are | | | | Social Security, they will review your case every one |
| based on having a condition that will prevent you from | | | | to three years depending on the severity of your |
| working for a period of twelve months or longer. You | | | | disability. The only notification you may receive that this |
| do not have to be out of work for twelve months, just | | | | review is taking place is the Disability Update Report |
| that your condition will prevent you from working for | | | | questionnaire that arrives in your mail. When you get |
| twelve months. The disabling condition does not have | | | | this form you know Social Security is reviewing your |
| to be a physical disability; there are a number of mental | | | | case. |
| disorders that you can be approved for benefits with. | | | | Disables are usually treated as outsiders in the society |
| Disability benefits are payments people receive as a | | | | because of the notion that they cannot do anything. |
| result of a health problem or disability. The sources of | | | | Disability has affected the society much like racism. It |
| these payments may include workers' compensation, | | | | should be understood that though they cannot perform |
| companies or unions, federal government, military, state | | | | certain activities in the 'normal' way doesn't infer that |
| or local governments, railroad retirement, accident or | | | | they aren't a part of the society!! |
| disability insurance, Black Lung payments, and state | | | | A disability retirement plan is a way to provide lifetime |
| temporary sickness, in addition to other disability | | | | income for an employee who is unable to work any |
| payments such as Social Security. | | | | longer, due to a disability. These plans are offered by |
| Disability benefits are payments that guarantee income | | | | certain employers as a benefit of working for them. |
| when an employee cannot work because of sickness | | | | They extend to employees of all ages. |