All residents of Missouri want to fulfill family obligations entrusted to them. They work, take care of their families and also save for the future. When financially independent, St. Louis residents are confident they can support their families and survive any hardships. However, a sudden tragedy, such as a loss of eyesight or hearing, paralysis or memory loss, may render a person helpless and unable to work, casting doubt on the stability of the family’s financial future.

A disabled person can rely on Social Security Disability benefits to help him or her weather a sickness. Social Security was signed into law in 1935 by President Franklin Delano Roosevelt, who described this program as “the security for men, women and children against certain hazards and vicissitudes of life.” Since that time, the Social Security benefits have helped many injured or ill people avoid financial hardship.

This program is funded by FICA payroll tax deductions from wages. Social Security is not only a retirement program, but offers financial support to people who suffer from injury, disability or illness before reaching retirement age. If a person passes away, family members may be entitled to survivor financial benefits.

According to sources, more than 9 million jobs supported Social Security benefits in 2012. However, not many workers may qualify for early benefits, while some are denied benefits and may then endure a lengthy and confusing process of appeals. Until Social Security benefits are granted, a sick or injured person may not have any income. The consequences of a serious illness can be devastating, and continuous financial resources may be of utmost importance.

To avoid a having a claim denied, the application should be prepared carefully. An applicant for benefits may have to prove inability to work due to the illness, and may have to provide medical evidence regarding the disability. Attention to details may enable an application to be accepted the first time, and avoid further complications.

Source: Journal Inquirer.com, “Social Security: Vital protection hidden in plain sight,” Winona W. Zimberlin, Aug. 18, 2014

Source: Journal Inquirer.com, “Social Security: Vital protection hidden in plain sight,” Winona W. Zimberlin, Aug. 18, 2014