SSDI has a lot to offer to those who have a disability and cannot work because of it. However, not many US workers think about getting insurance in case they have an incapacity. There is insurance for almost everything in your life that can be affected. We all have insurance for our cars and houses. However, what if we happen to have the inability to work due to an illness or accident?
Claiming SSDI benefits as well as other Social Security benefits could take time to obtain. There is usually a lot of paperwork and you may need a lot of certificates that prove you are not pretending to have an incapacity to work. Besides, you should know that the insurance could pay at least part of your income while you claim SSDI benefits or SSI.
It could be a disease or you might be injured. Remember that your employer could offer this insurance. You could even ask about it if you are interested in getting one. Your employer might know a lot about it and they could let know from experience what their benefits are. It is more than likely that there were cases in his business in which someone had to make use of them.
What should you do if you do not get an incapacity insurance offer from your employer when SSDI benefits are not possible?
There is no need to worry because you can always get incapacity insurance in order to make your future economic situation safer. Actually, there are two main possibilities when it comes to this type of insurance. They could be either short-term or long-term. Short-term insurance has a limit of two-year benefits. On the other hand, long-term insurance for incapacity could last forever. That is for the rest of your life.
First and foremost, you need to pay close attention to the way incapacity is defined by the insurance company. Does your situation fit in their definition of incapacity? The same goes for SSDI benefits, only some diseases or disabilities are included. It could be the ability to see, walk, listen, think or work in general. Bear in mind that different standards exist. ADA provides information on the US law regarding disabilities and its legal definition.
After making clear its definition, it is very important that they state clearly when you are starting to get the money. Looking after your family’s welfare and financial situation is of utmost importance. Thus, making sure that you get this payment the sooner the better is key. The number of months or years you will be able to get it is fundamental too. It is true that the last thing you need to ask them about is the amount of money you will get, but you will not forget about that one.