Accidents will happen. They shouldn’t be something that forces you to completely stop your life, no matter how severe they may be. Even if you’re unable to continue working, you should still be able to maintain your lifestyle. That’s where disability comes in to protect you from the unplanned and unfortunate incidents that might happen.
To understand how the law protects you if you become disabled, brief explanations of how each of the social security benefits programs work are listed below along with a few examples of other ways that the law protects disabled individuals.
Social Security Disability Insurance
When people become disabled after working for a number of years, they typically qualify for Security Security Disability Insurance (SSDI). This program is specifically for and funded by people who have worked for a number of years to pay for their own type of insurance.
The major point about this program is that it covers not only the individual who becomes disabled but also certain family members. The benefits of this program tend to be larger due to the fact that they have already been funded through Social Security taxes paid over the years.
Supplemental Security Income
Not all children and adults have made enough to pay for a level of SSDI that can support them. Supplemental Security Income (SSI) is a program designed to help people who have a limited amount of finances.
The SSI program is open to both children and adults. Seniors who are older than 65 can also apply to this program without having a disability, provided that they meet the other requirements. This program can be used in tandem with SSDI or retirement benefits, as it is based mostly on financial need.
Other Forms of Protection
Numerous other forms of protection have been put in place to help people who may be disabled. Acts such as the Voting Accessibility for the Elderly and Handicapped Act, the Individuals with Disabilities Education Act, the Rehabilitation Act and the Fair Housing Act have been put in place to ensure that any individual who is disabled can lead as normal of a life as possible.
For more information on how you can obtain the protection provided under law for disabled individuals in Poplar Bluff, Mo., contact a disability lawyer, such as Parmele Law Firm.