Many workers in Washington state never experience heart conditions, arthritis, cancer, Type 2 diabetes, stroke or other chronic illnesses, medical crisis or debilitating injuries. However, Social Security Disability Insurance might be the only means of support for those whose medical conditions are work-disrupting. U.S. workers' payroll taxes secure SSDI coverage for contributors.
SSDI benefits can assist individuals with sustaining their households for two, three or four years while they work on recovering and a possible return to work. Another significant advantage is eligibility for Medicare coverage for those whose SSDI benefits are approved, helping families with potential substantial medical expenses. Approval for SSDI will also mean that the years spent not working will not be factored into the calculation of retirement benefits as $0 earnings.
Approved SSDI benefits can also protect the long-term disability coverage for workers who have purchased such insurance. Recipients of Social Security disability will further benefit from the additional benefit of return-to-work protections. It includes a nine-month trial period over five years while working as much as the recipient's health allows without losing SSDI benefits. After this period, SSDI benefits will cover the shortfall when earnings are below a specific level.
Washington workers who are unable to earn an income to support their families might not realize that help is available to ease the application process for Social Security Disability Insurance benefits. An experienced SSDI attorney can assist the navigation of seemingly insurmountable challenges. The support and guidance of legal counsel can improve the chances of being approved for SSDI benefits.