Being told that one can no longer work may feel like a slap in the face to someone who takes pride in being an employee. The thought of losing one’s profession may be particularly heartbreaking, but so may the idea of having an empty bank account in Wisconsin. This is why Social Security Disability is so critical: It helps such people to restore their lost incomes so that a sickness or injury does not prevent them from being able to survive.
Disability benefits are available through two programs at the federal level. One provides Social Security Disability insurance, which covers people who are under 65, no matter what their current incomes are. The amount paid to each individual depends on the record of his or her Social Security-related earnings.
Meanwhile, Social Security Supplemental Security Income is intended to benefit people who are above 65 or who are disabled or blind. These benefits aren’t tied to a person’s earnings history. It is worth noting that both programs have a stringent definition of what is considered to be a disability, with only full disabilities being covered under the programs.
If a person truly is fully disabled and thus cannot maintain a traditional job, learning that his or her disability claim has been denied may feel like salt in the wound. He or she may feel completely alone and desperate for enough income to live month to month in Wisconsin. Knowing the laws related to Social Security Disability benefits may help such a person to confidently pursue the benefits to which he or she is entitled, for both his or her sake and for that of family members who depend on his or her income.
Source: The Valley Business Journal, Sources of Disability Insurance, Julie Ngo, Feb. 28, 2014