No one ever likes to consider the possibility that they could become disabled. Unfortunately, there is a very real chance that you could end up with a serious illness or injury that stops you from working before you reach retirement age. The Social Security Administration indicates that one in five Americans live with disabilities, and one in 10 live with severe disabilities. The SSA also warns that as many as one in four 20-year-olds will become disabled before retirement age.
If You Are Disabled, Will You Need SSD Benefits?
If you develop a severe disability, you likely will need to receive benefits from the Social Security Administration (SSA). Few people purchase private disability insurance because policies are often costly and coverage is often limited. Private disability insurance is also not routinely offered as a workplace benefit, like health insurance is. This means if you get sick or hurt and cannot work, Social Security Disability (SSD) may be your only source of income.
Whether you can receive SSD benefits or not will depend upon the severity of your disability. Your condition must last a year, be expected to last a year, or be a fatal condition. It also has to be very serious and impair your ability to work or do routine activities.
There are certain listed conditions which should make qualifying for benefits possible, as long as you also have associated symptoms. These conditions are found in the “Blue Book,” which is the informal name for the SSA's Listing of Impairments. An experienced Los Angeles disability benefits attorney will help you to determine if you have a listed condition, or one that is medically equivalent in severity so you can qualify for benefits.