Stay Connected... Click here!

Disability Insurance, if you can't work any more

by John

I became disabled in 1998 and I was young 32 yrs old. I had been working as an Administrative Assistant and Accounts Payable Clerk for many years when my kidney problems got so bad I could not work anymore not even part-time.


My work offered a bare minimum disability policy that in hindsight would have been worth investing in. I applied to Social Security for disability benefits and even though I had 6 Doctors saying I had medical problems preventing me from working I was denied. It took 19 months but I won my case and got my disability.

I can tell you 13 years later, I struggle. I have to work against Doctors orders to make ends meet because SSDI does not cover my bills at all...

I recommend to everyone I know , no matter what the cost or how small the payments seem with a disability policy your work offers get it because in the end that little bit could make a difference. Had I taken that policy out through my work, I could live comfortably today it paid 60% of my income for short-term 90 days then 50% long term and that $640 a month would help immensely today.

I hate I have to work and suffer but it is my own stupidity to not have taken the policy. If your work does not offer a policy find a private one you can purchase because months maybe years down the road it will pay off immensely when you least expect it..

I hate being on SNAP and Medicaid I miss being able to go to music concerts my credit sucks because I cant meet basic housing needs I feel like an embaressment to my family.

I cannot stress enough to invest in a disability policy or put money away in a 401L, IRA something that you can count on in case you find your self suddenly unable to work...

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to Disability Retirement.