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Brian, Zwick, Stone & Associates
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Reasons to seek SSD benefits

When a person in Ohio or elsewhere looks at their paycheck, it is clear that there are certain deductions for programs that may be beneficial to them in the future. One of them is Social Security. While no one expects to suffer a serious injury, a chronic health condition or a sudden medical crisis, the truth of the matter is that these events could happen at anytime to anyone. Thus, it is imperative to fully understand the Social Security program and reasons why a person could apply for this financial assistance.

There are currently more than 155 million individuals in the U.S. working who are insured for disability through the Social Security Disability program. Less than one in three U.S. workers are protected by a private disability insurance policy, meaning that most disabled workers are receiving support through Social Security.

While there are many reasons to utilize SSD benefits in the event of disability, here are five top reasons for seeking out this benefit. To begin, it provides an income to help support yourself and your family. A disabling injury or condition can leave an Ohio resident unable to work. This can cause major financial hardships, which SSD benefits can offset. Next, it can provide health insurance for a person's medical needs associated with the disabling condition.

Third, SSD benefits help protect a person's retirement benefits. When applying for SSD benefits, a person could obtain a retirement freeze. This means that the SSA will not factor in the years they receive no income. This results in receiving more when retirement time comes around. Fourth, receiving SSD benefits helps protect long-term disability insurance, ensuring they continue when receiving this benefit. Finally, the SSA provides support and an incentive to return to work. A person is still able to receive benefits even though they are transitioning to return or have fully returned to work. Payments can remain in effect for up to three years. If you are considering SSD benefits or are in the process of applying for them, it is important to not only understand the process but also what could be done if one is initially denied.

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