Most but not all, employed persons have disability insurance in order to protect themselves in the event that they are unable to work.  This really seems like a good idea and maybe it is, but being one of the persons who has had to quit work due to being physically unable to work, I can’t say that with impugnity.  My claim was denied, simply because they say that my medical records and tests do not prove that I am unable to work.  The same thing happens to people who have had to resort to filing for Social Security Disability Insurance.  SSDI is for those persons who have not worked enough quarters to qualify for regular Social Security disability.  In my opinion, these disability insurance companies do this to delay or deny any kind of compensation through perks offered by the employer.  However, this is just my opinion and I have nothing to back that claim up with.  It’s just how it seems to be.

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In 2005 I applied for  social security disability while living in North Carolina, but was turned down.  While thinking about filing the appeal, my family moved to Kentucky.  I thought you had to reapply in a different state, so I didn’t file the appeal and I lost thousands of dollars of past payments.  Well, this is absolutely normal for me to do something like that; I am so ignorant about many things.  But had I gone ahead with my appeal, I would have sought out an attorney, because that is usually the only way a lot of people can be successful in their applications.  Because funds are so low in Social Security, I’ve heard that they turn almost everybody down the first time they apply.  A company called Allsup has a 98% success rate with getting people approved.  They also have 25 years experience doing so.  Federal law stipulates how much money an attorney will receive for helping you get approved and all of them do not ask for money up front.  They don’t get paid unless you win, and this is a great motivator for them.  Good Luck with your efforts and don’t give up.

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