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Left unable to work, many turn to the SSD application process

For some people, perhaps including many of our Los Angeles readers, the benefits they could receive from the Social Security Administration are a mystery. For instance, while many people know that they may be able to apply for disability benefits if they are unable to work due to a physical or mental health condition, they may not know how to go about applying for those benefits or if their particular disability even qualifies them to apply.

A recent article addressed a question from an individual who was injured at work and wanted to know whether or not she could qualify for disability benefits. The problem is, as the article was quick to point out, that it can be hard to determine from one initial glance whether or not someone will be approved for SSD benefits. In fact, the article pointed out the harsh truth: the majority of applications for SSD benefits are denied. For instance, last year about one-third of all SSD benefits applications were denied.

However, these initial hurdles should not dissuade someone who has suffered a work-related injury from looking into whether or not they may qualify for benefits. The point is that it can be a great idea to first get as much information about the application process and the federal requirements as possible, first and foremost.

So, what are the basics? Well, the disability in question has to be quite severe: one that will leave an individual unable to work for at least a year. The disability also has to leave a person so limited that they are unable to earn even the minimum amount under the requirements. And, of course, the person claiming the disability has to be under the full retirement age. These are just a few of the most basic requirements, so anyone interested in actually going through with the application process would probably find it beneficial to get a full explanation of what is required.

Source: finance.townhall.com, "Who Qualifies for Social Security Disability Benefits?," Carrie Schwab Pomerantz, June 29, 2014

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