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SOCIAL SECURITY DISABIITY INSURANCE FOR WORKERS

 There are 2 ways a worker can suddenly loose his/her income and the ability to support the family:

One is by premature death.  Life insurance is the best way to protect against the loss of income due to premature death.

The second is by disability.  One in 4 Americans will become disabled before reaching full retirement age.   The US Government provides insurance to protect against lost wages due to disability.  It's called Social Security Disability Insurance (SSDI).

SSDI is a valuable benefit but has the following challenges:

1.  It takes a long time to get approved for SSDI benefits.  The initial application can take 12 months or more for review and over 75 percent will be denied after the first review.  The resulting appeals can take up to 2 years with no benefits being paid during appeals. You may need a lawyer to get approved.

2.  Not everyone has Social Security disability coverage.  SSDI only covers only  individuals who have worked at least 5 years out of the previous 10 years before becoming disabled.  You will need 20 work credits to be covered (and you can earn up to 4 credits per year). Persons who haven't worked during the past 4 or 5 years may have no coverage, no mater how sick or disabled they become.

3.  The amount of your SSDI benefit will not replace all your lost wages.  Your exact benefit depends on your average lifetime wages and many find that it only replaces about one-half of recent earnings each month.

If you need assistance applying for or appealing a Social Security claim, consider The Forsythe Firm in Huntsville, AL.  Charles W. Forsythe has decades of successful experience in Social Security disability.

  • Free consultations. We even do telephone consultations.
  • Never a fee of any kind until you are approved with past due benefits.
  • Personal access to your representative; we DO return your calls.
  • Our office is directly across from Bridge Street with free parking.

 HOW TO CONTACT CHARLES W. FORSYTHE

Call US          (256) 799-0297

Email Us       ForsytheFirm@gmail.com  

 

 

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