Although many Americans acknowledge that they may need a few sick days every year, many may never consider the possibility that accident or illness might render them unable to continue working someday.
Fortunately, there are disability programs designed to help workers in this situation, such as Social Security disability insurance benefits. SSDI payments can help fill the void created when an individual is no longer able to work and his or her employer-provided health coverage may be in jeopardy.
Admittedly, there are also programs that provide health coverage to low-income individuals, such as Medicaid. Under ObamaCare, many states across the country are also expanding their Medicaid coverage. According to a recent article, that could mean increased access or benefits to disabled individuals.
Notably, qualifying for Social Security disability benefits may also automatically enroll an individual in Medicaid benefits. However, the initial hurdle of proving functional impairment to the Social Security Administration’s disability examiners is not easy.
In the case of SSDI benefits, an individual must have worked at jobs where Social Security taxes were deducted. In addition, a medical diagnosis and supporting documentation must demonstrate that an individual can no longer perform work at jobs similar to those that he or she held previously.
An attorney can help an SSDI applicant prepare documentation that describes all of the physical and mental disabilities that are making it impossible to work. Regardless of the condition, disability examiners will require proof that a person’s functioning qualifies them for SSDI benefits. An attorney can help a disabled worker prepare a strong claim.
Source: The New York Times, “In Texarkana, Uninsured and on the Wrong Side of a State Line,” Annie Lowrey, June 8, 2014