Steps to Take When You Can No Longer Work Due to a Disability
- Author: Willis Goldner
- Posted: 2024-09-28
Living with a disability can be difficult. It can limit the ability to maintain a job, resulting in limited financial resources. In many cases, the government assists those who are unable to work due to disability; however, there are certain steps you must take to be eligible for this aid.
Apply for Social Security Disability Insurance (SSDI)
SSDI is a program that pays benefits based on your past earnings through the Social Security Administration (SSA). To be eligible for SSDI benefits, you must have worked long enough to qualify, and your disability must last at least 12 months or be expected to lead to death.
To apply for SSDI, complete an application online at www.ssa.gov/disability or contact your local SSA office for assistance. Be sure to include any relevant medical documentation that supports your disability and the severity of its effects.
To ensure you have all the information you need to complete your application and to increase your chances of being approved for benefits, consider consulting a disability lawyer. They will be able to guide you through the process and ensure that all information is accurately provided.
Apply for Supplemental Security Income (SSI)
SSI is a program that provides those with limited income and resources monthly cash payments from the federal government. During your application, you will be asked to provide information on the income you receive and any assets or property you own. You should also provide medical evidence related to your disability.
Apply to Your State Medicaid Program
Medicaid is a health insurance program funded by federal and state governments and provides medical assistance to those with limited income or resources. There are different types of Medicaid programs, and eligibility requirements may vary from state to state.
For instance, some states allow those with disabilities to qualify for Medicaid if they meet the SSI disability requirements, while others have more stringent guidelines. You may need to provide information about your income, assets, and any health insurance policies you may already have. If approved for coverage, you may also qualify for other assistance, such as help with prescription drugs.
Consider Vocational Rehabilitation Services
Vocational rehabilitation (VR) services are available to those with disabilities who need help finding and maintaining employment. These services include job training, counseling, and assistance in overcoming some of the challenges associated with disability.
Your state's VR agency may be able to provide you with support and resources for job searches, job placement, career guidance, and skills training. The agency may also provide financial assistance for transportation, adaptive equipment, and other services that may help you find employment.
Seek Assistance from State Programs
Most states offer Home and Community-Based Services (HCBS) programs and other assistance to help those with disabilities live independently. These programs can provide home modifications, personal care, assistive technology, and respite care.
To learn more about the HCBS available in your state, contact your local Department of Social Services or the state’s health and human services agency. A disability resource specialist may also be able to provide advice and assistance to help you find the right programs for your needs.
Utilize Local Resources
Local organizations and agencies often provide services to those with disabilities. These may include employment assistance, housing resources, transportation programs, and recreational activities.
It is also beneficial to join support groups for people with disabilities to build a network of individuals who can provide emotional support and share similar experiences. These groups may also be able to point you in the direction of local resources that can help with disability-related needs.
Research Other Benefits You May Qualify For
The federal government and many states offer additional programs to those who cannot work due to disability. You can research online for programs that may help you. Many organizations and charities provide disability assistance to those in need; however, it’s important to do your research before applying so you can be sure the organization is reputable and reliable.
Invest in Life Insurance
When living with a disability, it’s important to have life insurance. Suppose you cannot work due to your disability and can no longer provide for yourself or your family financially in the event of an untimely death. In that case, life insurance can provide financial security.
Various life insurance options are available that may provide coverage for those with disabilities.
Living with a disability can be difficult, but resources are available to help those who cannot work due to their medical condition. Being familiar with the qualifications and requirements of each program can increase your chances of being approved for benefits so you can focus on managing your health.
