Disability Retirement

Disability Retirement -- BOOM! it comes on suddenly -- and you can't work. You haven't planned for this, you don't have income protection, you don't have a big savings account, and you can't stop working as you need health care (especially now when you aren't well).

Do you have ANY Disability coverage?

Did you injure yourself at work so that you can apply for workers compensation?

Does your employer offer disability insurance (short term or long term)?

Do you realize that if you can no longer work, you can apply for Social Security Disability? You have to be expected to not work for at least one year, and you really need to document your medical history, but that might b a possibility  for you.

Disability Advocates & Attorneys can Help

NEED SOCIAL SECURITY DISABILITY ANSWERS? Click to visit The Disability Digest website and become a member! DIY help so you can get your benefit approved OR speak to a Disability advocate for answers to your questions!

Do you realize that You need help?

Sometimes, just a call to your Social Security advocate is all you need to get the ball rolling in the right direction!

Most advocates and attorneys will offer you a free session to discuss your disability case... and I recommend The Disability Digest for their DIY site where they provide many answers AND also their advocates who are only a telephone call away. FREE service too!


This is the perfect time to find out whether YOU like the advocate or attorney - and they find out whether they believe they can win your case. If they can, they may offer to take your case on "pro bono" basis - meaning you don't pay until you win.

At that point, when your Social Security Disability is approved, the attorney gets a portion of your retroactive benefits. It's well worth it as you get the benefits MUCH faster than if you try alone. They know how to get this approved, they know the Judges, they really can help you.

Great Disability Resources

The Public Health Corps has provided their Top Ten resources for Disability Help and I think they will really help you through the maze of disability options. 

Now What?

If you know you will be off work for some time You apply for any disability benefits you might be eligible for:

  • disability retirement from your employer (if any)
  • Social Security Disability benefit 
  • personal disability insurance policy
  • employers short-term or long-term disability insurance

Assuming you get approved, you generally live on less, as you had less working years to save for your well-funded retirement. But, you will move on, learn to live on less, and let your mind and body heal while you simply live a different lifestyle!

Hopefully, since you obviously need medical coverage for your disability, you can apply for Medicare, or Medicaid also. You'll also need a supplemental health care...

The bottom of this page has articles written by disability retirees on how they retired and how they live life! You still have a life and need to decide how to be productive and busy... there is life beyond your disability.

Disability Retirement Stories: Written by Retirees who have been there and done that.

Continue reading the Disability Retirement submissions, written by retirees, below!

Please consider adding YOUR STORY -- Let others help you through this!

Share your two cents on any Disability Retirment issues...

Do you have an experience to share with others? Your knowledge could help another retiree out there, good or bad, maybe just a warning on what happened to you.

If you have found useful things, like the Scooter stories, please share your experience with readers!

Learn from others... Check out their Two Cents on Disability Retirement Issues!!

Click below to see contributions from other visitors to this page...

For My dad who suffers from severe MS 
I am writing this for my father and my mother. Starting with my mother who remarried in 2007 to her high school sweet heart. It's was great! Mom …

Finding new hobbies and creativity and inspiration and new passions in a nursing home at 68. 
I thought I would be unhappy having to change my life leaving my wonderful, historic home in a village filled with all my passions and my dream jobs. But …

Forced Retirement: asbestosis 
I was a painter/decorator, I really loved my job, meeting new people, but I soon noticed I couldn't get up stairs or ladders, coughing a lot. After …

Retired, Battling MS 
It lay dormant - just waiting - letting me know - now and again - with a slip or fumble - that she was still around. She, why …

Retirement: What did I do wrong? 
I worked my 20 some odd years and now having some very bad health issues. In fact another surgery is in store. My job is never going to keep me on. …

Disability Retirement: Injured worker @ 35 
Hello, I am Glen. I was injured at age 35 in the construction trade. I had a couple back surgeries over two years and wasn't able to return to work. Or …

Disability Retirement: COPD 
This page is about Disability Retirement and COPD. COPD covers a variety of issues like: (google it and list a few here). In time, I hope others will …

Disability Retirement soon 
I am 61 and will be leaving my full time job due to health issues. I plan on filing for SS Disability. If not approved by the time I am 62, can I file …

Disability: Courage and Strength 
Yesterday I took my friend to our State-run public transportation board for an evaluation to determine whether he was eligible for a private bus to transport …

My Disability Retirement (8 years before approval) 
I used to be a self managed worker. I was an electrician and a good one at that. This all changed one day when a drunken idiot smashed my face in. …

Disability Can Come at Any Age 
It has been two years since the last time that I worked. Due to degenerative spinal conditions I have been forced to file for Social Security Disability. …

Working online after Disability Retirement 
I have a very good experience to share with you about disability retirement. My only advice to the people who are retired is they should not get depressed …

Being on Disability does Not mean my life is over! 
I am writing this here at 3:15 in the morning. You know why? I cannot sleep. I cannot sleep because I sleep too much during the day; duh!!!! I want …

Retirement Disability 
These Retirement Disability stories were contributed by real readers to this site. By offering their own personal stories, they can get both feedback …

Disability Retirement: MS - Multiple Sclerosis 
This page focuses on Disability Retirement for Multiple Sclerosis reasons. In time, I hope others will post their story so that visitors can learn from …

Disability Insurance, if you can't work any more 
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 …

Disability Retirement, with Children, AND a good attitude about life! 
I have been on disability for over 6 years now. When I was 41 I got very sick and spent the next year and a half in and out of the hospital for a variety …

Working Through Early Disability Retirement 
My story isn't typical. I was forced to retire due to disability, which I won't go into much detail over, but didn't plan to retire at the age that …

Heart patient of 20 years 
I am 71 years old and I have had two open heart surgeries. i have been dealing with high blood pressure and cholesterol. plus i have degenerative artery …

Disability Hits Unexpectedly.. Save Save Save! 
I never expected to be retiring with a disability. I figured I'd have a few good years traveling with my spouse before we slowed down to spend more …

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