Why You Should Apply for Social Security Disability Benefits

Social Security Disability (SSD)

The Unjustified Stigma Associated with Applying for SSD Benefits

It may be hard to make the adjustment from going to work every day to dealing with an illness or injury that impairs your ability to make a living. Because they do not understand how the system works, many people feel guilt or shame when they think about applying for disability benefits.

There is a common misconception that Social Security Disability is a government handout, paid for by taxpayers. This is simply not true. Social Security Disability is a form of insurance that is administered by the government. If you have been working and FICA taxes have been taken out of your paycheck, then you have been participating in the program and are fully entitled to all its benefits.

The Responsible Thing to Do

If you are unable to work and are now supported by your spouse or receiving private disability benefits or workers’ compensation payments, then you may not realize you are missing out on the Social Security Disability benefits you are entitled to collect. If you have paid into the system, then you have every right to apply for those benefits.

But it’s important to do so in a timely manner: qualification for SSD benefits do expire, usually within five years. The longer you wait to apply, the more benefits you may stand to lose. Back benefits may be unavailable if you do not apply as soon as you become disabled or learn that you will be disabled for 12 months or more. You could lose thousands of dollars in benefits that you and your family deserve.

Probably the most powerfully persuasive reason to apply for SSD benefits is that your retirement benefits may be reduced if you do not work for several years. Fortunately, if you are collecting SSD during this time, then your retirement benefits will not be placed at risk.

Supporting yourself and your family is the responsible thing to do. If you can no longer work because of unforeseen medical complications, you are completely justified in filing a claim for your SSD benefits.

Thurswell Law Can Help

If you are unable to work because of a medical condition, it is important to consult with a Social Security Disability attorney who that has the knowledge and experience necessary to help. Our compassionate legal experts will assist you in determining if and when you should apply for SSD. Once a determination has been made, we will work closely with you and your doctors to make sure you receive all of the benefits you’re entitled to. For more information, or to schedule a free consultation, reach out to us toll-free at 248-354-2222.

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Southfield, MI 48075

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