| A study reveals, "a 20-year-old worker has a 3 in 10 | | | | job related sickness, you may file your claim under |
| chance of becoming disabled before reaching | | | | Workmen's Compensation if your claim cannot fall |
| retirement age." | | | | under the State's Disability Insurance. |
| If you suddenly find yourself out of job because of | | | | Social Security disability benefits |
| disability, do not lose hope. There is disability | | | | The Social Security Administration pays disability |
| insurance and benefits program that you can avail in | | | | benefits under the following programs: |
| the US to help you tide over the times you were | | | | 1.   The Social Security disability insurance |
| disabled and thus off work. | | | | program |
| Employer disability insurance program | | | | This program pays benefit to you and certain family |
| Majority of employers offer medical, dental and life | | | | members if you have worked long enough and paid |
| insurance benefits to their employees nowadays. On | | | | Social Security taxes. |
| top of that, some offers disability benefits, which can | | | | If your child's disability started before the age of 22, |
| range from short-term disability and long-term | | | | he/she may also qualify for benefits on your earnings |
| disability, or both. | | | | record. |
| You may want to know what your own company | | | | 2.   The Supplemental Security Income |
| can offer you. Read the copy of your employee's | | | | (SSI) program |
| manual or contract of employment. Your human | | | | This program pays benefits to disabled adults and |
| resources officer can also provide you valuable | | | | children who have limited income and resources. |
| information regarding your company's disability | | | | You may call SSA, visit their website or consult with |
| insurance policy. | | | | a Social Security Law attorney to know how to avail |
| State Disability Insurance | | | | SSA disability benefits. |
| Some states offer disability insurance benefits to | | | | Bear in mind however, that SSA imposes strict |
| those who are not covered by their employer's | | | | qualifications and proof of severe medical conditions |
| disability benefits, or when there is no insurance | | | | to be eligible to SSA disability benefits. |
| provided at all. The following states, among others, | | | | Veterans' disability insurance |
| offer disability insurance benefits: | | | | For service members and veterans, the US Veterans |
| •   California | | | | Benefits Administration can give those benefits under |
| •   New York | | | | either two programs; (1) the disability compensation |
| •   New Jersey | | | | and (2) the disability pension. |
| •   Hawaii | | | | The disability compensation is given to service |
| •   Rhode Island | | | | members and veterans who suffer at least 10% |
| Funds for disability insurance benefits in California | | | | disability because of military service. The disability |
| come from contributions provided by employees. A | | | | contemplated here includes physical injuries, physical |
| portion of their paychecks forms part of the state | | | | and mental diseases, and posttraumatic stress |
| fund. Those who cannot work because of disability | | | | disorder. |
| unconnected to the job may file money claim to | | | | On the other hand, disability pension is given to |
| replace their lost income from such fund. | | | | eligible wartime veterans who have limited income |
| The California State Disability Insurance also covers | | | | and cannot work, or who are 65 years old or older. |
| cases of women who cannot report to work | | | | These are just some of the various disability |
| because of pregnancy or those who takes time off | | | | insurance benefits that you may avail of depending |
| to take care of ill relatives or a newborn child. | | | | on your existing condition, coverage and qualification. |
| Workmen's Compensation | | | | Communicate with a proper government agency |
| For employees who are not qualified to State's | | | | regarding your claim or consult with an attorney who |
| Disability Insurance, they may claim under the | | | | has specialization on the matter. |
| Workmen's Compensation Disability Insurance. Almost | | | | In pursuing your disability insurance benefits, our |
| all states in the country require private and public | | | | credible and skilled Los Angeles lawyers will ensure |
| employers to develop this type of disability insurance. | | | | that you will receive the rightful claim that you |
| If you have been injured on the job or developed a | | | | deserved. |