The Best Ways To Face Disability
In our lifetime, getting injured and becoming ill can happen several times. Work related injuries and illnesses are covered by the company’s health insurance, so one just needs to worry about recuperating and returning healthy again.
According to the Bureau of Labor Statistics, a total of 4,836 workers died from a work-related injury in the U.S. in 2015, the highest since 2008. Nearly 20 percent of fatally-injured workers were employed in the private construction industry.
However, for injuries that are non-work related, the injured person must shoulder all the expenses of getting treated, the in between medication, and the after care. This is where filing for a disability claim will come in.
The Application Process
The Social Security Administration (SSA) handles numerous disability claims each year, the claimants vary from young adults to old age. They provide benefits to people who can’t work because of a medical condition that could last more than a year or may result to death.
Find out who can apply for a claim from the official website of SSA. Here’s a list of qualified claimants:
- Are age 18 or older;
- Are not currently receiving benefits on your own Social Security record;
- Are unable to work because of a medical condition that is expected to last at least 12 months or result in death: and
- Have not been denied disability benefits in the last 60 days. If your application was recently denied for medical reasons, the Internet Appeal is a starting point to request a review of the medical determination we made.
And here is what you will be needing when applying for a claim:
- Print and review the Adult Disability Checklist. It will help you gather the information you need to complete the application.
- Complete the Disability Benefit Application.
Also, here is a list of documents you need to provide along with your application form:
- Birth certificate or other proof of birth
- Proof of U.S. citizenship or lawful alien status if you were not born in the United States
- U.S. military discharge paper(s) if you had military service before 1968
- W-2 forms(s) and/or self-employment tax returns for last year
- Medical evidence already in your possession. This includes medical records, doctors’ reports, and recent test results
- Award letters, pay stubs, settlement agreements or other proof of any temporary or permanent workers’ compensation-type benefits you received
But the SSA isn’t the only body you can run to when in need of a financial assistance due to a non-work related injury. There are other means to get yourself covered when unfortunate incidents occur.
The Disability Insurance
It isn’t just the government that can help you with your disability claims. There private sectors such as insurance companies that provides short-term and long-term coverage. And some companies have a disability insurance for all employees that basically works the same way.
Insurance Assistance Programs
A well-developed insurance assistance program for employees will motivate them to recover faster from their injuries so they can go back to work right away. In this program, some premium benefits are extended to the immediate family of the employee, which then insures security for the entire family.
Some assistance programs include counseling, parenting and information services, child and elder care, and so much more. Your company should invest in an insurance firm that offers more benefits for the employees.
Short-term State Disability Insurance (SDI)
Several states are providing short-term benefits for eligible state workers who are unable to work due to non-work related illness, injury or pregnancy. Some state insurance programs include a paid family leave where workers are given some time off to take care of a sick child, spouse, parent, parent-in-law, or a sibling.
A good example of SDI is the existing California SDI. Read it to find out more.
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