When an Indiana resident is too young to retire but in no physical state to continue working, either due to an injury or disability, do they have a financial safety net? Social Security Disability benefits is supposed to function as that insurance plan-its supposed to protect against the risk that everyone in the country faces, the risk that one day they will be unable to perform their job.
It is an unfortunate reality of our time that many Indianans rely on Social Security Disability (SSD) benefits to make ends meet after an illness or injury prevents them from returning to regular work. These beneficiaries are often looked down upon, especially if the qualifying condition is one which is not physical.
Readers of the Indiana Personal Injury Blog may be aware that Social Security Disability benefits are available to those individuals who can no longer work due to a disability expected to last longer than 12 months and who have worked in a job that qualifies them to receive SSD benefits. But what they may not realize is the Social Security Administration encourages recipients to rejoin the workforce by providing incentives to do so.
Living with a disability is nothing short of challenging. While individuals in Indiana may be able to alter their lives to better handle the difficulties that accompany his or her disability, it remains a tough situation with which to cope. In fact, a disability, whether born with or acquired later in life because of an injury or illness, could present many financial challenges due to necessary medical care and the inability to work.
Most Indiana residents are probably aware that Social Security Disability benefits are available to those individuals who have a medical condition that is expected to last at least 12 months and could even result in death. So, does this mean there is no such thing as 'temporary SSD benefits'?
Much is being said about the upcoming changes to Social Security Disability benefits starting from 2018. The Indiana personal injury law blog also discussed some of them in last week's post, including those being made to the work credit requirements. Indiana residents may understand that these changes have made it more difficult to qualify for SSD benefits, but what exactly a work credit is could still be confusing.
Indiana residents already know that qualifying to receive Social Security Disability benefits is a difficult enough task-one must demonstrate their medical eligibility and also the fact that they have worked a certain number of credits to qualify. The requirements for eligibility are set to change in 2018, with it becoming just a little bit harder to qualify to receive SSD benefits.
Sustaining a serious injury on the job is life-altering. You need to deal with medical costs and lost wages as you recover, however long that puts you out of the job. When you come back to work, you may not be able to perform your duties and responsibilities as easily or efficiently as you once could. Your employer may find it necessary to move you to a different work area. In the process, your wages or your hours could be compromised. Indeed, an injury has consequences well beyond the scars or pains of your body.
When Indiana residents are unable to continue working and make an earning for themselves due to a disability, they can apply to state agencies that are affiliated with the Social Security Administration. The unfortunate reality is that most first-time applicants are denied social security disability benefits-only about one-third of them are approved. The good news is that a denied claim is not the end of the story; it is possible to appeal a denied claim. In fact, most people who appeal a denied claim are successful.
Indiana residents, similar to their counterparts across the country, work hard at their jobs and like to maintain their physical and financial independence. This is why many of them continue to work into old age-they don't want to become dependent on anyone else. But, sometimes, they become injured on the job or suffer an illness that affects their ability to work and they must rely on someone else for assistance. The federal government provides them with options in these instances by providing aid in the form of social security disability benefits.