In This Chapter
Identifying the two disability programs that Social Security runs
Answering five key questions to qualify for benefits
Making your best case for disability benefits
Transitioning back to work
When you’re healthy and working and leading a busy life, it may be hard to imagine yourself becoming disabled. But the risk is very real. According to the Social Security Administration (SSA), a 20-year-old today has a 27 percent chance of suffering a disability before retiring. If that happens to you, your whole life may be in crisis. How will you support yourself and your family? Social Security’s disability protections were created to ease such hardship, but the benefits aren’t easy to get.
The SSA has various rules that are intended to yield consistent decisions on who qualifies for disability. Applying for disability benefits is typically a lot more complicated than applying for retirement ...