The word “retirement” conjures up images of more time for family, friends and relaxation – it rarely brings to mind thoughts of Social Security disability insurance (SSDI). But anyone considering retirement, and especially union members who have performed physical jobs which have taken a toll on their bodies, must consider applying for Social Security disability benefits. SSDI benefits are available at any age, but being close to retirement age only increases your chances of approval. If you have any medical conditions, regardless of whether they are related to your work, you should consider applying for SSDI.
What is Social Security disability insurance?
Many people feel that they don’t need SSDI or don’t want to be seen as “taking a hand-out,” but SSDI is funded by each paycheck you’ve ever earned. 6.2% of your salary goes to the Social Security Administration to pay for:
- Social Security retirement benefits
- Social Security disability insurance (SSDI)
That’s your money, and SSDI is there to serve as a safety net should you be unable to work due to a medical condition.
There are many reasons to make SSDI part of your retirement checklist. Did you know that:
- You may have a qualifying condition and not even know it.
- Both physical and mental conditions can qualify for SSDI, including: back pain, neck pain, shoulder and knee pain, hip pain, carpal tunnel syndrome, disorders of the digestive system, heart disease, diabetes, chronic pain or migraines, depression, anxiety, loss of hearing or vision, and many others.
- SSDI does not affect your union pension, and you may be eligible to receive in (addition to your pension) up to $2500 per month in disability benefits. This could be up to an extra $30,000 per year. You could also be eligible to receive health insurance under Medicare within 24 months of your disability date.
- You don’t have to wait for retirement to apply (huh): SSDI benefits are available at any age. If you are out of work because of your medical conditions but hope to return in the near future, SSDI can still be a viable short term option. You can even apply if you have already retired – if it was within the past five years, you may still be eligible for benefits.
- Applying for SSDI benefits can help your union.
- When members receive their earned SSDI benefits, it can allow a union’s health and welfare fund to realize savings and operate more efficiently.
How can a Social Security disability attorney help?
Having an experienced lawyer helping you apply can significantly improve your approval chances. There is no cost to apply, and an attorney can only collect a fee if your case is won. Fees are paid from retroactive benefits only, directly from the Social Security Administration. Nothing is taken out of your monthly benefits check, ever.
Contact us today for a free evaluation of Social Security disability benefits by filling out the form below.