If you have worked all of your life, you have paid in to the social security fund that pays disability. There are two government programs. One pays the money to you based on the amount that you have paid into the fund. The other part of disability is called S.S.I. and is a supplement that is paid to a person based on need alone.
Social Security will want to know how your condition affected your work at these various jobs. They will want to know if you needed any special help or accommodations in order to do your job there. This includes things like needing time off or needing different work hours than normal because of doctor’s appointment. Let them know if you missed a lot of work because of your condition.
California short adaptive devices for persons with disabilities is a great program for many workers who become disabled. But ask anyone who needed to use the benefit: “was it enough?” The answer will probably be “no”. This is especially true for women planning a pregnancy, because she will be out of work for at least six weeks, and longer if she needs to miss work before delivery, or take extra time to bond with her baby.
Now imagine what happens during a high-risk pregnancy. Mom may miss several months of income prior to delivery to take bed rest to protect her infant’s health. This equates to more missed income. Plus, there may be left-over medical expenses to throw in the mix. And, if baby requires care in the NICU expenses could really pile up.
Now just making the minimum payment could become difficult. And once you are late on a payment, that history sticks around for seven years – limiting your access for credit, and costing more if you do qualify.
Mr. Rigg is thankful for Allsup’s assistance with his case, and he credits the company’s customer service with the rapid award process. “Relief and excitement were my initial reactions. Mychelle Lester was so helpful during the process. She answered all my questions and did much of the work for me,” he added.
Should you consider disability insurance? If losing your income would cause big problems, these plans can help provide you with some of the money you will need. You should consider your own budget, needs, and situation in order to make a good decision to protect yourself and your family.
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