Disability happens more often than you might imagine. While you can enjoy Social Security Disability benefits should your condition prove to be the factor that prevents you from working, just how often disability happens? According to the Council for Disability Awareness, one out of four of today’s 20-year-olds will become disabled before they retire, and your risk of acquiring disability could be calculated thus:
A typical male, age 35, 5’10″, 170 pounds, non-smoker, who works an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has the following risks:
A 21% chance of becoming disabled for 3 months or longer during his working career;
- with a 38% chance that the disability would last 5 years or longer,
- and with the average disability for someone like him lasting 82 months.
If this same person used tobacco and weighed 210 pounds, the risk would increase to a 45% chance of becoming disabled for 3 months or longer.
Most Americans underestimate the possibility of them becoming disabled, with over 64% of them believing that they have less than 2% chance of acquiring disability when, in reality, they have about a 25% chance of being disabled for as long as three months or more. In addition, a new study suggested that a person is at greater risk of becoming disabled after 60 years old if he or she does not engage in physical activities and instead prefers sitting on the couch.
If, by some unfortunate circumstance, you have acquired a disability which hampers you from working, and you expect it to last for at least a year or more, you can be eligible for Social Security Disability benefits, where you can get monthly financial aid to help you and your family. Getting approved for Social Security Disability benefits is like passing through a needle hole, though, so it’s best to consult a Charleston Social Security lawyer—such as a specialist from Jan Dils, Attorneys at Law—to know more about your benefits.
Moreover, your family can also receive benefits provided that your spouse is 62 years old or older, or if you are caring for a child aged 16 years old or younger. To apply, you’ll have to collect the documents that would prove your condition, from legal manuscripts and work histories to verified medical records. The documentation is crucial since it will determine if you’re eligible to acquire Social Security Disability benefits.
Keep in mind that more than half of the appeals for Social Security Disability benefits get disapproved, so talk first to a Social Security Disability lawyer in Charleston to improve your application’s chances.
(Source: Disability statistics, Council for Disability Awareness)