It is not uncommon to suffer minor injuries and illnesses. We all get a cold from time to time, and we all suffer a stubbed toe or hurt limb from bumping into things. These minor injuries are almost expected in the home and work environment. However, they require little to no recovery time and likely do not impact a person’s ability to work on a larger scale. On the other hand, a major illness or injury could significantly impact a person’s ability to work, as this situation likely makes it difficult to care for him or herself in general. Thus, it is important to explore what options are available in matters where individuals are unable to work because of a serious illness or injury.

Because no one is immune from injuries or illnesses, it is likely that several unexpected injuries and illnesses occur in our lives. However, what one does not expect is to have a sudden illness or injury result in a disabling condition. Unfortunately, one in four 20-year-olds today will suffer a disability by the time he or she hits retirement age. Situation such as a back injury, having a heart attack or needing a knee replacement can cause a person to miss work for six weeks, eight weeks and sixteen weeks respectively.

How can workers address lost wages because of a disability? The simple answer is disability benefits; however, it is not a simple process to embark on. While roughly 30 percent of workers in the U.S. have disability coverage, most workers rely on government programs, such as SSD or SSDI to provide disability payments. This also means that they have to take the time to prove that he or she is suffering from a qualifying condition and is eligible based on the evidence submitted.

Applying for disability benefits can be an overwhelming process. Many fear that they will be denied, causing them to question whether they should apply at all. Whether you want to start an initial application, need help in the application process or are filing for an appeal, it is vital to become informed of the situation and the rights afforded to you.