If you become unable to work because of an injury or disability, you may qualify for Social Security Disability (SSD) benefits. It can, however, be difficult to qualify for benefits, so some people end up applying for private disability insurance. Before you spend more money than you have to, talk to an experienced SSD attorney and see what your options are.
You may qualify for SSD benefits if you suffer from a severe or terminal disease. Although you generally need to have been suffering for more than one year to qualify, certain diseases such as cancer or HIV may entitle you to benefits upon their diagnosis. Ask your doctor to provide proof of severe or terminal disease for your application.
You may also qualify for benefits if you suffer from a long-term disease or injury that lasts over one year, and you are unable to work to make money. You will have to prove that your condition is chronic through medical evidence, so make sure you have proof from your doctor before you apply.
Additionally, if you suffer from a severe mental disease, you may qualify for benefits. Mental disorders are harder to prove than physical problems, so you will need a professional diagnosis of your disability, such as post-traumatic stress disorder, schizophrenia, bipolar disorder, and unipolar depression.
If you suffer from one of the conditions above, it is not a guarantee that you will be entitled to SSD benefits, but it is worth exploring the possibility.