Disability does not have any thing to do with your age. Though it seems that retired workers are only eligible for disability benefits but one can be astonished to know that a 20 year old worker has 3 out of 10 times chance of getting disabled before reaching retirement stage. The illness can be due to various reasons: mishaps during working hours, rheumatic conditions and various musculoskeletal diseases like osteoarthritis, rheumatoid arthritis, lupus, fibromyalgia etc. However it is well understood that each one of us should give special thought to the consequences of physical disability and the recommended legal solution to combat financial wreckage.

What benefits you can claim?

• Government itself provides disability benefits to the citizen. You can be eligible for this if proper documentations are available with you.

• If you are injured on duty, you may be eligible for worker’s compensation, which is administered by your state.

• For temporary disablement you have an option to claim coverage from your private Insurance Company.

• If your condition is serious and you may not able to join work for at least a year, then two types of benefit programs can be obtained. Such programs are administered by the United States Social Security Administration (SSA). The two benefits programs are Social Security Disability and Supplemental Security Income (SSI). You can participate for both of these two as well.

How to attain Social Security Disability Benefits:

According to The Social Security Administration you are considered to enjoy this benefit only under these conditions:

• Your working status:  SSA determines the number of work credits you must have. Earning more than reasonable amount a month as an employee is enough for ineligibility from receipt of Social Security disability benefits.

• Your physical condition:  Whether it is severe enough to significantly limit your ability to perform basic work activity. In a situation where you will get recovery in less than 12 months, you may get rejected for the benefit.

• Your impairment matching medical listing: Your condition should match with the list of disabling conditions maintained by the Social Security Administration. Social Security Administration breaks the body down into 13 major systems or listings. In these 13 systems more than 150 categories of medical conditions are enclosed.

• Your work ability status: Despite impairment if you are able to perform the same job with same efficiency as you did earlier then your request for disability benefits would be discarded. If you are not good enough to continue with the same work then you will be checked with some other types of work. Social Security Administration determines few criteria like age, education, work experience, physical/mental condition etc before concluding the facilities for you.

Thus the qualifying lists are extensive and it is quite challenging to pass through the stages. You need to find out an attorney who can take necessary immediate actions.

Additional guidance:

Pennsylvania and New Jersey based Console Law Offices treats various complicated disability benefits cases in an efficient manner. They have specialized and personalized attorneys having great practical exposure in this legal section.