Workers in Missouri who become disabled may no longer be able to financially support themselves. Workers in the United States have an almost 20 percent chance of being disabled for a minimum of three months throughout their working life. Many workers have no disability insurance coverage and no means to replace their income while disabled, which could result in severe financial troubles.
The Social Security Administration has two separate disability benefits program that it uses to provide income to disabled workers. However, the Social Security Disability Insurance and Supplemental Security Income programs have very stringent qualification requirements and low acceptance rates.
Disabled workers whose conditions may be long-term may apply for Social Security Disability Income, also known as SSDI. Payroll tax deductions are used to fund the program, and work credits are earned as workers earn their paychecks.
Workers who have earned the appropriate number of work credits by the time they become disabled should apply for SSDI. Being awarded SSDI is not dependent on one’s income; disabled workers with substantial wealth may receive the disability benefits. The monthly amount of SSDO is calculated using the amount workers paid into the program.
Workers who are unable to qualify for SSDI due to an insufficient number of work credits may be eligible for Supplemental Security Income. As of 2018, the maximum monthly benefits awarded for SSI is $750. Unlike for SSDI, workers are only eligible if they have a certain household income and little financial resources.
An attorney who practices Social Security law may assist clients with obtaining the Social Security Disability to which they may be entitled. The attorney may explain the application process and may assist with filing initial applications, verifying medical requirements and submitting proof of a client’s inability to work. Assistance may also be provided with appealing denied applications.