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The Importance of Social Security Disability Insurance

The Importance of Social Security Disability Insurance

Those who have been suddenly disabled because of an injury or complication have challenging lives. First, there are hospital bills and treatment costs to pay. Second, they may have limited capability to work and earn money. Third, their limited earning capacity may prevent them from getting their medical needs. And fourth, the disability may reduce their general enjoyment of life.

It is a good thing that there is a program such as SSDI. It stands for Social Security Disability Insurance, and its goal is to provide assistance to social security members who have been disabled and may have financial hardships.
It is important to note that not everybody can claim the benefits of SSDI. They should be eligible for it first, and typically, the eligibility is determined by certain factors, such as the following:

  • The person must be paying social security for a specific number of years
  • The injury or complication has really resulted into a disability

According to the website of the Chris Mayo Law Firm, disability benefits can be classified as short-term and long-term. Short-term benefits are for those whose disabilities are temporary, while long-term benefits are for those whose disabilities are long-lasting or permanent.

These benefits may be calculated differently, but they have one thing in common – the legal process involving them may be complicated, but there are legal representatives that can help you for that.

The important thing is that these benefits serve as a financial cushion for those whose earning capacity has been compromised because of a disability. In one perspective, it is a way for the Social Security Administration to give you compensation after years of contribution, and that is why only those who have contributed for a number of years are eligible for this insurance program.

Sustaining an injury or complication that is enough to disable you is already stressful enough, but it becomes more stressful because of the financial burdens it brings, so it is good news that SSDI exists.

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