Studies by the Social Security Administration (SSA) suggest that, before they reach retirement age, 20-year-old workers have a 3 in 10 chance of becoming disabled. A majority is going to recover and go back to full employment. But some don't and any sound financial plan should help ensure that those who never come back to full employment will still have sufficient income to support themselves and their families.
There are several programs that you could benefit from if you become disabled, including individual and group income insurance, Social Security Disability Insurance benefits, and state Workers ' Compensation Plans.
Eligibility
Workers ' claims for compensation are filed in the state where the employee works or is based–irrespective of the location of the employer–and insurance companies pay benefits. You must have been injured on company property, on a work-related trip or delivery, or while traveling to or from work or a work-related event in order to receive benefits. Employees in Massachusetts who get hurt at work and miss work for six days or more may have the right to reasonable and necessary medical treatment and compensation. Employees have a file claim for up to four years, and insurers have 14 calendar days to approve or reject the claim (from the date the first claim is filed).
In Utah, regionEmployees are eligible as soon as they start working to receive benefits. In most states, employees who do receive benefits may find that the insurer may contest or stop payments after further review. Controversial cases often go before judges who make a final decision on the claim.
The definition of "disability" varies from state to state, referring to incapacity rather than physical disability to earn income. In Texas, the criteria are met by a work-related injury or disease resulting in an inability to earn a paycheck. Idaho distinguishes between permanent disability, where the ability to engage in the gainful activity is reduced or absent due to permanent impairment and no fundamental or marked change can reasonably be expected in the future, and permanent impairment, which is an anatomical or functional abnormality or loss after medical rehabilitation.
Most states use an impairment rating, which determines the extent to which the work-related injury or illness in question causes permanent physical damage and directly affects the amount of the payout dollar. Some injuries are easy to identify and documents, such as falls or burns. Others are more difficult to document, including occupational diseases or diseases caused by toxin exposure–or repetitive stress injuries. Psychological problems can be the hardest to prove, which are often covered if they are related to work. In general, disabilities need to be documented by a professional (most often a physician), but in some cases employees will also need to hire lawyers to argue their case if they do not.
Exceptions include domestic-service employees working less than 16 hours a week; police, firefighters and other municipal employees with state benefits; civilian employees working for the federal government; certain salespeople; and corporate officers. Nevada requires coverage from all employers with one or more employees. However, some casual workers are excluded (those who work less than 20 days and earn less than $500), temporary workers with coverage in another state, and those involved in intrastate trade not subject to Nevada laws).
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