According to the United States Census Bureau, 1 in 5 Americans has a disability, and 1 in 4 of 20-year-olds today will become disabled before they reach retirement age. While having a disability isn’t a guarantee for hardship, as working people are protected under the Americans with Disabilities Act, some individuals are either unable to work full-time or unable to work at all. Those with disabilities are therefore more likely to experience poverty—10.7% compared to those with a milder disability (4.9%) and no disability (3.8%).
The establishment of long-term Social Security disability took many years of negotiation and legislation in Congress; however, in 1956 the Social Security Administration began to offer income to disabled applicants of a certain age. Since then, Congress has increased the benefits available to people with less severe but still debilitating conditions that prevent them from working. If you’ve recently become disabled, consider some of the benefits of enrolling in long-term Social Security disability.
Your Social Security Benefits Can Help Your Family
Certain members of your family can also be covered by long-term disability based on your work. A spouse aged 62 years or older will also be covered. If your spouse is younger than 62, but is responsible for caring for a disabled child or a child under the age of 16, he or she will also qualify. Your own child, if he or she is disabled or under the age of 18, can also receive benefits. Your family’s receipt of additional benefits may decrease your expenses, preventing them from experiencing extreme poverty.
You’ll Be Covered by Medicare
If you’ve received disability for two years, you’re automatically covered by Medicare, which helps with the cost of health expenses. While it won’t cover all your costs, it will make it easier to receive the long-term care you might need as a result of your disability.
Ticket to Work
Beneficiaries of long-term disability can be enrolled in Ticket to Work, which helps people with disabilities find jobs if they would like to work. This program includes training and communication with vocational rehabilitation agencies at no cost to you. If you can no longer work in your primary occupation because of your disability, you can then see if there are any other options available in the workforce for you.
You Can Still Work
If you love to work, and you can still manage it part time, you can return to work while still receiving benefits. Working while still enrolled in long-term disability ensures you have a transition period, during which time you can decide whether or not working full-time is a feasible option.
Consider enrolling in long-term Social Security disability if you’ve recently been so severely injured that you cannot return to work. If you would like to discuss your case, contact us to speak to one of our Las Vegas Social Security disability representatives today.