Your Child and Autism

A Few Things Everyone Should Know About Disability

Did you know? One year of disability can wipe out 10 year's worth of savings.

Other interesting things to know about disability:

- 7 out of 10 people between the ages of 35 and 65 become disabled for three months or longer.

- The average length of disability lasting longer than 90-days is 36 Months.

- Most American families have only enough money in savings to cover two months worth of bills.

- In 2000, wage and productivity losses from unintential injuries was $259.8 billion (Statistical Abstract of the US: 2002)

- The maximum Social Security disability payment for 30-yr old earning $70,000 per year is just $1600 per month.

- To be eligible for Social Security disability, your disability must last at least 12 months.

- Social Security Disability will only pay an approved claim after a minimum of 5 months have passed.

So if you suddenly become disabled... how would you pay your bills?

What is disability?

The Random House Webster's Dictionary of American English defines disability as: "Lack of adequate strength or ability; incapacity; a physical or mental handicap; anything that disables or puts one at a disadvantage"

The Social Security Administration defines disability this way: "The inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or has lasted or can be expected to last for a continuous period of not less than 12 months." Emphasis Added

Simply put: Disability generally means that you are unable to work. And Social Security Disability means you are unable to work at anything.

Disability can happen at any time, to anyone - regardless of race, religion, gender or profession.

Sometimes people become disabled dur to injuries received in a car accident. And sometimes it's a simple matter of getting hurt while participating in sports, or improving your home in your off hours.

A very common injury that can cause you to become unable to work, is a back injury. And back injuries can happen simply by moving furniture, working in a garden, or fixing a leak in your roof.

Other people become unable to work due to an illness or the onset of a disease: Like diabetes, stroke, or heart attack. And even pregnancy can cause some females to become unable to work: If the pregnancy develops other complications that require the woman to stay in bed, she is unable to work.

This Can Happen to You Too.

Unfortunately, people often assume that just because they're healthy, they can't become disabled. And that's simply not true. Accidents happen. So being healthy doesn't usually have anything to do with whether you become disabled.

Let's look at some undeniable facts:

- In 2000, wage and productivity losses from unintentional injuries was $259.8 billion (Statistical Abstract of the US: 2002)

- In 1999: 338,000 people were injured in a fall

- In 1999: 141,000 people were injured due to overexertion

- In 1999: 338,000 people experienced sprains and strains

And just a few of the ways these injuries happened included:

- Hand and power saws

- Hammers

- Kitchen flatware

- Beds

- Tables

- Ladders

- Rugs and Carpets

- Footwear

- Bicycles

- Swimming Pools

If you'd like to know more about disability and various ways you can protect yourself and your family, read the rest of this report online.

© 2004, Kathy Burns-Millyard. This article is provided courtesy of Electronic Perceptions Marketing - You may freely reprint this article on your website or in your newsletter provided this courtesy notice and the author name and URL remain intact.

MORE ARTICLES:

Social Security Disability Insurance Recipients Need Better Understanding of Pros and Cons of New Debit Card, Allsup Says
Whether it will be a cost saving or an added cost for recipients depends on how informed they are and how they use the debit cards.

Easter Seals Northern Ohio and Joe Kelly Battle Autism - the New U.S. Epidemic
The story of how young Joe Kelly and the Kelly family are dealing with autism with the help of Easter Seals Northern Ohio.

The Help Group - UCLA Semel Summer Institute 2007 Convenes Leading Experts In Asperger's Disorder
Focus on best practices in education designed for educational and related professionals.

How to Live with Autism  Some Measures to Cope Up with Autism
Autism can be defined as a brain development disorder. The disorder tends to impair social interaction & communication of the individual. It also causes restricted & repetitive behavior. Unfortunately, the disorder traits starts even before the child is three years old.

How to Speed Up Your Disability Claim
Claims often spend great amounts of time in the Social Security Disability system not because Social Security is slow, but because many claims are filed incomplete. You can shorten the amount of time your claim spends in the system by filing a complete claim.

Bipolar Disorder: The Sixth Largest Cause Of Disability In The World
You've seen this disorder take over a person in a television portrayal, while in the real world, it is sometimes spoken of in whispers and rumors. You may not be exactly sure what it is, but from what you?ve seen and heard, bipolar disorder isn?t exactly a positive situation. What it is, is a very frightening and dangerous condition.

Disability Management Network is Now Triune Health Group
Disability Management Network has been renamed Triune Health Group as of October 7, 2007 in order to encompass the companies complete range of services and capabilities.

Important Points on Social Security Disability Claims
It is an unwritten rule and remains a good advice that in case of disability or inability to work, Social Security disability or SSI based on disability claims must be pursued without any delay. This is because most claims can take a while to process.

12 Secrets to Winning a Disability Claim
There are a number of steps to winning a disability claim, and not all of them are obvious. Attorney Jeffrey Hensley shares his secrets.