There has been a growing trend in the US for formerly productive albeit partially disabled workers to seek disability benefits since the economic crisis hit the job market in 2007. Research shows that employers who accommodated employees with back problems, weak hearts, or other health conditions that reduced their capacity to work have been forced to let them go in these tough times. Productivity has become a priority for companies struggling to make ends meet. In the meantime, those who have been let go have turned to social security and employer-sponsored disability insurance for financial relief.
The importance of disability benefits is undeniable. According to the website of Hankey Law Office, P.C. in Indiana, a steady source of income is invaluable in assisting the disabled worker cope with the fact of their disability. A recent survey of disability beneficiaries show that the emotional impact of being able to keep off welfare through disability benefits is almost as important as the financial security it affords.
Social security disability (SSD) is almost always the go-to option for totally disabled workers whose disability is determined to last at least 12 months. However, SSD is not an option for workers who are only partially and/or temporarily disabled; besides which processing an SSD claim can take several months to a year. In the meantime, bills are going unpaid and loss of home and health becomes very real for the family. An article on the website of LaMarca Law Group, P.C. in Des Moines explains how workers’ compensation disability benefits can save the day for workers who may not qualify for SSD or who may desperately need relief while waiting for their SSD or other benefits to get processed. It emphasizes the wisdom of procuring disability insurance while employable because serious injury and disability can come at any time.
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