There are 4 basic types of Insurance that are optional you will want to consider. They are life, health, long term care, and disability. All of these you can assume personal financial responsibility if you want, but you should weight the options for not having them. If you were to have an accident or loss, these different types of insurance can help provide for you and your loved ones.
There’s no way to guarantee that your claim will be approved. However, you should talk with your doctor about whether or not your condition is likely to qualify you for Social Security disability benefits. In order to qualify, your condition must prevent you from working and must be expected to last for at least one full year or be expected to result in death. Talk with your doctor about whether or not your condition prevents you from working. Ask your doctor if you should expect to recover from your condition, and if so, how long recovery can be expected to take.
What you finally end up getting if you managed to get a disability award depends on the amount of time you have worked and paid into the system. A lot of factors can affect the amount of the award: have you spent long periods of time unemployed or did you change your name.
Request copies of all your medical records from anyone who ever treated you from your condition, and send copies of these to Social Security. Don’t count of Social Security to request your records. They will probably only get the most recent ones, but your chances of being approved will be greater if you send them all your records.
She had to be treated for depression and could not work. She did have visually impaired store to tide her over for awhile. What a struggle this was for her. If I could have taken away any of the physical and mental pain she went through, I surely would have done it.
They will want to know every job you’ve had during that time. They will want to know the name of the company, what you did there, when you worked there and for how long, how many hours you worked in an average week, and how much money you earned. You can ask Social Security to give you a printout of all employers who have reported income for you, and use this list to help you remember all the places you’ve worked.
Finally, the disability insurance is if you were to get hurt and not be able to work anymore. This is usually short term insurance that can last for up to a couple of years. This will provide you with a temporary income until you are able to work again. This is a great type of insurance to consider.