While most Raleigh workers have access in one form or another to disability insurance, most don’t know much about the insurance that protects them in the event of injury or illness. According to one study, only 38 percent of workers are knowledgeable about disability insurance.
Public health advocates hope that can change during May, which has been designated Disability Insurance Awareness Month. While 42 percent of workers have short-term disability insurance and 34 percent have long-term disability insurance, nearly all workers are eligible for Social Security Disability Insurance (SSDI) benefits.
Unfortunately, some workers who sustain a disabling injury or are beset by a disabling condition or illness miss out on those benefits because they simply don’t understand eligibility rules, the SSDI application process or how to file an appeal in the event of a benefits denial.
Some of the basic facts every worker should know about SSDI include how income affects eligibility. The good news is that regardless of your income level, you can receive Social Security Disability Insurance benefits in the event that you can no work due to illness or injury. SSDI is not a form of welfare; it’s not just for those below a certain income level.
Another good thing to know about SSDI: your disability does not need to be permanent in order to qualify for benefits. However, the disabling condition must last at least one year. Many people show physical or mental improvement after a few years of receiving SSDI benefits and then return to work.
There are many different ways in which SSDI can work for you. You can speak with a Raleigh attorney experienced in navigating both the applications and appeals processes to learn more about how you can maximize the benefits you have earned.