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November 2015  Volume 8, Number 11        

Why Smart People Don’t Rely on SSDI

Not purchasing disability income insurance is a mistake you can’t afford to make! Here are some reasons why:

  • If you experience a disability, a note from the doctor will not be enough to guarantee that you will qualify for SSDI (Social Security Disability Insurance) benefits. That decision is more legal than medical.
  • The Social Security Administration (SSA) will review your medical condition periodically. Possible improvement means a review every three years as opposed to seven years, if no improvement is expected.
  • SSDI payments do not begin immediately, even if you qualify! They can take anywhere from three to five months to get processed.
  • You can apply for SSDI only for long-term disability. If you will be out of work for less than a year, you will not be considered. Only private disability income insurers recognize short-term/partial disability and allow benefits for it.
  • People rarely get SSDI the first time they apply. After being denied, you will have to appeal to be reconsidered.
  • SSDI will not replace your work income completely. These are very modest
  • payments.

For more reasons to consider purchasing disability income insurance, please read our article, “When Social Security Won’t Help” or contact us for more information.

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In this issue:

This Just In...

Implants and Bridges — and How Dental Insurance Can Help

See Everything – Considerations When Purchasing Vision Insurance

When Social Security Won’t Help

Why Smart People Don’t Rely on SSDI


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