If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disablity insurance benefit until age 65 when is the time the benefit is transfered to the pension program.
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Social Security Disability - Three Success Stories
By Becca Rode
The stories told here are based on true events, but names (and some details) have been changed. These stories are intended to show how different types of disabilities can be treated by Social Security as they go through the disability application process. Remember that each disability claim is different from the next, and your claim may be as unique as your individual situation.
Erica's moods were out of control. Many days she was severely depressed. She had lost interest in leaving her house, or sometimes even leaving her bed. Erica felt that she was worthless and had thoughts of ending her misery. But sometimes she felt edgy, almost hyper, and couldn't concentrate or focus. Sometimes it was difficult to get a point across when talking. She knew something was wrong, so she began seeing a doctor in 1995. She was then diagnosed with bipolar disorder. She applied for Social Security disability in 1996.
Andrew was experienced in his job, but accidents happen to even the most experienced of workers. An accident at work left his spine injured, and from then on he had chronic pain. No medications helped, and he had to change positions every twenty minutes because of the pain. It affected his sleep, his daily activities, and prevented him from returning to work. He immediately applied for Social Security disability and Workers Compensation.
Sharon had several problems. Her arthritis was getting worse every week, and sometimes her legs hurt so bad she couldn't stand. She couldn't do her regular daily activities such as gardening and taking walks. But Sharon had another major problem: anxiety. She couldn't handle stress very well, and sometimes she lost control in the worst places. Her work had been understanding, but they were becoming frustrated with her medical needs. Sharon could sense that she would soon be out of a job. She decided to apply for Social Security disability in 2004.
Erica, the woman with bipolar disorder, qualified for only SSI because she had little income, and hadn't earned enough work credits to qualify for disability. Social Security requested her medical records and determined that she did meet the listings for mental disorders. Her condition was severe enough that she could not perform any type of work. She now has Medicare and is receiving mental treatment.
Andrew, the man with back problems, qualified for SSI and disability. He had very little income, and had worked enough to earn work credits necessary for disability insurance. He also qualified separately for Workers Compensation benefits, so his SSI and Disability benefits were offset a bit. He is still in chronic pain, but at least he doesn't have to worry about financial support.
Sharon did not qualify for Social Security under Anxiety alone, and she did not qualify for her Arthritis alone. After she applied, she lost her job and could not find work. Her disability and SSI case went to hearing, where they stated that she could perform work such as a toll booth, where she could stand and sit as needed for her Arthritis. But since she has Anxiety also, which prevents her from stressful situations (and in her case, enclosed spaces), there was no job she could perform. So she was approved for Social Security Disability and SSI at the hearing level. If Sharon had been able to work, she could have worked a few hours without losing her benefits (up to SGA levels).
These are stories that many can relate to, but each individual disability claim is different in many ways. Wherever you are in the application process, best of luck.
Becca has been involved in the Social Security world since 1995 and enjoys watching the program change peoples' lives.
Social Security Disability Benefits - Eligibility Criteria
By Jitesh Arora 
Social Security Disability Benefits are meant to help those who cannot fend for themselves. Some remain disabled throughout their lives forcing them to rely on external help permanently, but some more fortunate ones recover in the course of time and give up the free help.
An aspiring applicant should clearly understand what the rules say in evaluating disability. A visit to the doctor to get certified as an invalid person, either permanently or temporarily, sets the ball moving. The disability should hinder the applicant to take up any job and earn money. Disabilities can be of different and varied kinds. Not only physical weaknesses, but psychological disorders that hinder the earning capacity of a person make him eligible to apply for the grant.
The work or job history plays a big role in deciding his eligibility. In the United States, an applicant should have worked for at least five years of his last ten years of service, before he became incapacitated, in establishments which were paying social security taxes to the government. However, it is nowhere stipulated that those five years service should have been continuous.
The biggest requirement is a detailed medical report which should clearly state that the aspirant is having a physical or psychiatric complication which in turn prevents him or her from pursuing normal jobs and earn a living. If it is found that this weak state may not last for more than twelve months, the authorities will not consider the case on merit. For being eligible, the applicant should be found to be in an unfavorable physical or mental state of permanent nature or which may last for more than twelve months.
The job of finding out the medical status of the applicant is vested on the Disability Determination Services. Every state in the United States has such an agency. The disabled has to approach them to get oneself evaluated. The processing of an application usually takes more than three months. But the time taken and the cumbersome procedures are meant to cut out people seeking easy money by feigning disability. A responsible society need to have such strict rule interpretation and execution strategies. Otherwise it will be mayhem and free for all and resulting in the real weak getting ejected.
If you want to know more about Social Security Disability Benefits then feel free to visit http://www.disabilityappeal.com
Article Source: http://EzineArticles.com/?expert=Jitesh_Arora
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Disability Insurance - A Very Important Insurance Policy
By Corey Landis
More than likely if you have life insurance and suddenly die, you can count on the debt you left behind being paid off. However, most people do not really think about how their family financial situation will be handled if they are simply injured and unable to work. Could your family continue to put food on the table, pay the rent, obtain medical care, and other necessities if you no longer had an income? You might think somehow that social security will cover it, or the government has some sort of disability program. The odds are however that you won't qualify.
The scariest part of becoming disabled and unable to work, is that it has a higher probability of occurring than dying. Yes we all die eventually but did you know there is a 30% chance that if you are above 30 years old you will be unable to work for a significant period of time between now and the time you are 60? This is a simple statistic that most people overlook but may have to face at some point in their life.
When you think of your monthly budget, seriously consider including the cost of disability insurance. It is not as expensive as you might think. Most insurances agents sell the more common types of insurance such as term life, liability and auto insurance. However, if you are looking for a smart business decision, this is one of them. Even if you never get injured, it is a good precautionary measure. However, if you do get hurt you will be able to stay afloat and not incur debt or have to dip into retirement savings. You will probably never regret having disability insurance. It is always a wise investment.
Looking for cheap insurance? Get free insurance quotes Corey Landis writes on the topics debt management reducing debt and how to buy foreclosures.
Article Source: http://EzineArticles.com/?expert=Corey_Landis
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