According to the Social Security Administration, a 20-year-old worker has a 25% chance of becoming disabled before reaching retirement age. This number increases exponentially as the age increases. It’s essential to become aware of the options that are available to you so that you’re prepared just in case life throws anything unexpected in your way. With a plan of action and the right state of mind, you can assure that you’re doing all that you can to face this obstacle head on.
Injuries can debilitate a worker not only physically, but mentally. It is a significant change in how a person goes about their daily routine. The change can overwhelm many of those affected by it, especially with the added frustration of trying to figure out your financial situation and how your future with your employer turns out.
While it may seem like there are many external factors in your injury situation that you can’t necessarily control, there are aspects of your life that you can control. How will you respond? It is important to remember that your injury is not the end. It may be a road bump, but you can get past it, and you will. It’s even been proven by sport psychologists Lydia Levleva and Terry Orlick who found that those who rehabilitated faster took personal responsibility for healing, had high desire and determination, had social support, maintained a positive attitude, used creative visualization, and were less fearful of reinjury.
No matter how many people are there for you and wish to help you, you yourself must have the right mindset to succeed and get back on your feet.
The Consequences of an Injury
Now that we have addressed how you can mentally improve your situation, please keep that in mind as we discuss the consequences of an injury.
- Job Insecurity: After a major injury, you, logistically, need to see a doctor and notify your employer to the extent of your injury. Depending on whether or not the accident happened on the job, you may also need to contact an attorney to help plead your case. If this option is applicable to your individual situation, you should definitely use all sick and vacation days to hold onto your job. Unfortunately, your job still may be at risk after these days are taken, and your employment is at the hands of your boss. Try to see if you can work from home during your time away from work. The constant insecurity of your job is an additional stressor that adds to the severity of the situation.
- Neglect: Regrettably, the worker is not always looked after the most in injury circumstances. It may seem as if no one is listening to your say or allowing you to be in on the decision making. Remember to stick up for yourself and remain involved in your situation.
- Financial Hardships: Money is stressful enough to deal with as a fully healthy worker, and our revenue can take a significant hit after our source of income is cut off or limited. Luckily, the government has social security disability available for you.
How Social Security Disability Can Help
Social security disability, if obtained, can mitigate the financial pressure that accompanies an injury by providing payments to offer an alternative source of income. You will begin receiving payments after five months of being disabled and continue to receive disability benefits until you can go back to work. Disability works on the same credit system as those for retirement payouts. For an estimated money amount received from disability, check out this free online calculator provided by the SSA.
Social security disability is a unique government tool which is useful for a continued revenue while off the job. In some cases, family members of the disabled person are even eligible for disability as well.
You Can Apply for Disability
The following are questions asked by the Social Security Administration while reviewing disability applications:
- Are you working?
If you are working in 2016 and your earnings average more than $1,130 a month, you generally cannot be considered disabled by the SSA.
- Is your condition “severe”?
For something to be considered “severe,” it has to interfere with basic work activities.
- Is your condition found in the list of disabling conditions?
If you have one of these disabling conditions, you are automatically given disability. If your disability is of equal severity to those on the list, you are also admitted disability. If neither of the above, you go on to step four. Click here for the list of disabling conditions.
- Can you do the work you did previously?
If you can, your request will be denied. If you can’t you move on to step five.
- Can you do any other type of work?
If you can adjust, your claim will be denied. If you can’t, you will be granted disability.