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If you have recently become disabled, then you are probably feeling uncertain about your financial future. One of the first places to turn is to short term disability insurance, which will cover you for a few weeks, or up to six months as you recuperate; unless, of course, you became disabled on-the-job, in which case you'll file for Worker's Compensation Insurance instead. You can apply for either insurance through the human resources department at your place of employment. If it looks like you'll be out of work for the long haul, you can apply for long term disability insurance through your employer once your short term insurance expires. If you are over 65, then you can apply for Social Security. If you are disabled and not working, then you may still be eligible for Social Security Disability Insurance. To apply for Social Security Disability benefits/insurance, visit Socialsecurity to fill out an application and then return it to your local social security office, which can be found at Secure Ssa. To fill out the Social Security Disability application, you will need your social security number, your birth certificate, the names, addresses and phone numbers of case workers, doctors, clinics and hospitals that cared for you, along with the dates of care. Include the names and dosages of medication you're taking, medical records from doctors, therapists, hospitals and clinics, laboratory test results, a summary of your work experience and a copy of your most recent W2. In addition to this basic form, you will also need to fill out other forms about your medical condition, your ability to work and forms giving doctors permission to send information to the government regarding your condition. Since the process can be complicated, some people prefer to schedule an appointment with a caseworker to fill out a Disability Starter Kit at the nearest office by calling 1-800-772-1213. According to the most recent Social Security Disability Insurance fact sheet, about 62.8% of the recipients are retired beneficiaries in their sixties or older. Another 13% are disabled workers, with an average age of 51. Another 6% are spouses of retired workers, 10% are widows of deceased beneficiaries and 8.2% are children of retired or disabled workers or who are themselves disabled. Statistically, 75% of the recipients are white, 18% are black and 7% are other ethnicities. Two-thirds of the beneficiaries are 50-64. Of all disabled workers, just over 27% have been diagnosed with mental disorders other than retardation and fewer than 25% have musculoskeletal disabilities. Only 1 in 500 workers receiving a social security disability benefit ever return to work. If approved for Social Security Disability Insurance, they will use a formula to determine exactly how much you will receive. As of May 2009, the average disabled beneficiary of SSDI was bringing in $1,062 per month. If necessary, these individuals could be awarded an additional $284 for a dependent spouse and $318.30 for a child under 18. The disability determination services office is often flooded with applicants, so this process can take anywhere from 90 days to over a year to go through. This may seem outrageous for someone who is truly in need, but consider that in March 2007, there was a backlog of 1,463,153 applications awaiting approval.
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