Monday, April 22, 2013

Social Security Disability Benefits for the Aging and Elderly

By:  Molly Clarke at Social Security Disability Help
As individuals age, they become susceptible to a number of conditions that could prevent them from working before they are ready to retire. These conditions include Alzheimer’s, Parkinson’s, joint replacement, and arthritis among others. Being forced to leave the workforce early can cause significant financial strain. Fortunately, those who are unable to work due to a condition associated with aging may be able to qualify for Social Security Disability benefits until Social Security Retirement benefits kick in. Social Security Disability benefits can significantly alleviate financial stress and can help caretakers provide adequate treatment and support.

Applying for Social Security Disability Benefits
The first step toward obtaining Social Security Disability benefits is filling out a Social Security Disability application. This can be done online or at your local Social Security office. In order to qualify for disability benefits from the Social Security Administration, you must be able to prove that your condition prevents you from performing any type of work activity.

The easiest way to qualify for disability benefits from the SSA is to prove that your condition meets the criteria of a condition that has been listed in the SSA’s Blue Book. The Blue Book is a published list of conditions and symptoms that may qualify for disability benefits. If you do not suffer from a condition that is listed in the Blue Book, you may still be able to qualify for benefits based on a vocational allowance. You will, however, have to gather sufficient medical evidence to prove that your condition completely prevents you from performing any type of work activity.

How Age Plays a Role
Age plays a large role when you apply for Social Security Disability benefits. This is because the SSA understands that it is much easier for a 30-year-old to be retrained for other types of work than it is for a 50-year-old to be retrained. As such, your age will be taken into consideration when your application for disability benefits is being evaluated. If you can prove that you can no longer perform the work that you had been performing and that you can’t perform any type of work that you already have the skills for, chances are that you will be approved for Social Security Disability benefits.

How Social Security Disability Benefits Can Help
As the age of retirement keeps going up, more and more people are finding themselves disabled before they reach full retirement age. Fortunately, Social Security Disability benefits may be able to fill that gap.

If you’re not financially ready for retirement but health conditions now prevent you from performing your daily work activities, Social Security Disability benefits can help alleviate unnecessary financial stress. In addition to receiving a monthly benefit check, you will also receive medical insurance under the Medicare program. If you qualify for Medicaid, you may also be entitled to additional medical assistance.
Applying for disability benefits will also relieve any stress that your caregiver or future caregiver may be feeling. While the SSA does not offer assistance to caregivers directly, there are programs that are run at the local and state levels which offer financial assistance to those who are caring for a disabled family member. For example, if your son or daughter has had to leave the workforce to help take care of you due to your disability, he or she may be able to receive pay for their efforts if you qualify for benefits from the Social Security Administration, compensating them for their loss of wages.

The Services of a Social Security Disability Attorney
If you are no longer able to work due to a condition that is related to the aging process, you may want to consult with a disability attorney. These professionals know which conditions can qualify an individual for disability benefits and what you will need to do to prove your eligibility.

Additional resources are available here:

1 comment:

  1. It's really hard to get approved for a SSDI, so before applying be sure that you're even qualified for this. There are people who can help out to get you through this. The process will be dreadful, but as soon as you receive that SSDI, you'll feel the weight taken off your shoulder.Erminia Cavins