If you are confronted with an illness, injury or other condition that leaves you so severely impaired that you are no longer able to work, you may have considered the possibility of applying for Social Security Disability Insurance, or SSDI. This federal program exists to extend financial protection in the long-term for adults who have worked and paid into the program.
However, many people are deterred from applying in the first place – or put if off as long as possible – because they’ve heard the horror stories. They’ve heard of the mounts of paperwork, the seemingly systematic denials and the long waiting periods.
There is some truth to these stories, but there is also a fair amount of fiction floating around. Continue reading