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Social Security Disability Can Be Key to Financial Future
Date:8/29/2008

means the end of someone's working days, but it's not the end of key decisions related to money and financial income, medical treatment or healthcare.

"One of the most important steps you can make is to apply for SSDI as soon as possible," Mr. Gada explained. "This can be a complicated process because it involves documenting your work history and your medical condition. You can make it less stressful on yourself by http://www.allsup.com/About-SSDI/Choosing-Representation.aspx [hiring a representative], such as Allsup, to handle those complicated aspects."

Even if someone has a long-term disability insurance plan, there can be a number of benefits to applying for SSDI. These include regular monthly income, medical benefits through http://www.allsup.com/Financial-Matters/Managing-Healthcare-Costs/Medicare.aspx [Medicare] (after 24 months of entitlement to SSDI) and prescription drug coverage. More information can be found at Allsup.com in the section called, "http://www.allsup.com/About-SSDI/Why-You-Want-SSDI.aspx [Why You Want SSDI]."

SSDI is a payroll tax-funded, federal insurance program. A portion of the FICA taxes you pay are set aside for SSDI (as well as Social Security retirement and Medicare). Social Security disability benefits are designed to provide you with income if you are unable to work due to a disability or until your condition improves, and guarantees income if your condition does not improve. Then once you meet your retirement age - 65 or older - you move from SSDI to Social Security retirement income.

The Social Security Administration's (SSA) definition of disability is different than other pro
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