What would you do more of if you had the time to do it? Would you travel, start up a business, volunteer and/or simply spend more time with your family? What do you think is holding you back? Is it a lack of money, undefined goals, or no goals at all?
Your application will then be forwarded to a claims specialist in the regional office. The claims specialist will probably mail you more forms to be completed. The sooner you fill out the forms and return them, the sooner your claim can be decided.
There are a number of other kinds of information you can provide, if you wish. Social Security is supposed to take into consideration any and all information you give them.
It’s a great idea to always have a backup plan, especially when it comes to finances. When times of crisis hit, you’ll need an emergency fund to fall back on. Some cash set aside to deal with life’s little (or big) detours.
Short handicap accessories for home (STD) is usually meant to provide income for a few weeks to a few months. These policies will have shorter waiting periods too. In this example, we will declare you have 10 days of sick time. You may want to purchase your policy so it has a 2 week waiting period. That way, if you are out of work for a few weeks, and you run out of sick leave, you can still collect some income.
Chances are that you will be turned down for disability the first time you apply. You may even be turned down the second time. By the third time, you will probably decide that you really need to hire an attorney. Listen to all those television ads that go on about helping people get their disability. You are going to need one of these people to defend you in court. Will you, yourself, have to appear in court; probably not. These people are pretty well prepared. Their cases usually sell themselves to the judge and the person usually ends up getting his disability payments all the way back to where he or she first stopped working. The attorney will take a portion of the award as his or her fee. It will be money you never had so you won’t even miss it.
There’s no way to guarantee that your claim will be approved. However, you should talk with your doctor about whether or not your condition is likely to qualify you for Social Security disability benefits. In order to qualify, your condition must prevent you from working and must be expected to last for at least one full year or be expected to result in death. Talk with your doctor about whether or not your condition prevents you from working. Ask your doctor if you should expect to recover from your condition, and if so, how long recovery can be expected to take.
Her medical problems are still formidable with good days followed by days, when she can hardly get out of bed. She continues to see doctors several times each week, but at least she can meet her financial needs thanks to Allsup and those monthly disability checks.