Leaving Work Due To Poor Health? Here Are Some Things To Know
When health issues cause people to leave the workforce, claiming Social Security Disability benefits with the help of a qualified Social Security Disability Attorney may be a preferable alternative to taking early Social Security Retirement or prematurely emptying a 401k.
People with declining health who may not yet be able to retire with benefits should consider filing for Social Security Disability. Social Security Disability Insurance (SSDI) is purchased from the federal government through payroll deductions. Social Security Disability benefits provide monthly income, and after a waiting period, the program allows recipients to claim Medicare Benefits.
Some people who stop work early take Social Security Retirement at age 62. Retiring early will result in up to a permanent 30% reduction in monthly Social Security Retirement benefits. People who leave work at a younger age cannot take early retirement until age 62. Social Security Disability Insurance addresses these concerns by allowing disabled workers to receive monthly income that is significantly closer to the full retirement amount regardless of their age.
To claim Social Security Disability Insurance Benefits, a former worker must prove that they cannot perform their past work, cannot adjust to other work, and that their condition is expected to last for at least one year or result in death. No Social Security Disability benefits for partial disability are available, and the most straightforward way to establish proof of a disabling condition is through descriptive medical treatment records.
Claiming Social Security Disability Benefits can be a difficult and lengthy process. At early stages of application, most cases are denied, but people claiming disability can enhance their chances of winning benefits by appealing denials. Unfortunately, the wait for getting a disability case heard by an Social Security Administrative Law Judge can be in excess of a year, but for those who persevere the benefits can provide certainty for those with severe health issues and uncertain financial futures.
Getting help from a Social Security Disability Attorney that specializes in Social Security Disability law can help as well. A qualified attorney can ensure proper preparation of forms, gathers medical evidence, and provides cogent legal arguments to the Social Security Administration. The Law Firm of O'Brien & Feiler in Marietta, Georgia represents disabled people throughout Georgia and only charges legal fees when back benefits are secured for their clients. Social Security Disability Attorney Thomas O'Brien is rated 10/10 by Avvo.com, Lead Counsel rated by Thomson Reuters, AV rated by Martindale, and maintains a 4.9 Google rating with dozens of client reviews. Visit OBFlegal.com or call 844-OBF-WINS (844-623-9467)
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