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Applications for disability benefits face high rejection rate

While many people in Hackensack recognize that Social Security disability insurance benefits and Supplemental Security Income benefits may be available if they become disabled, they may not realize just how many people will be rejected in their initial application. Not only does someone need to be disabled, but he or she must also be able to convince the federal government that he or she should qualify for benefits, a difficult task. In fact, the Social Security Administration reports that 65 percent of people who apply are denied on their first try.

One way to reduce the risk of being rejected is to work with a disability benefits attorney. An attorney knows what kinds of information is important to include, what doctors need to support an individual's application and how to best convey the extent of the disability. And since the amount of time it takes to appeal an initial rejection is quite long, trying one's hardest on the initial application is important.

Many people in New Jersey just aren't concerned about getting disabled. They may think that they are not at risk of injury or illness that would leave them unable to work. Some of them are right and they will be able to work until they retire. Others, however, may spend time temporarily disabled or living with a permanent disability long before they should retire.

According to the Council for Disability Awareness, a relatively healthy woman who is 35 years old and works in an office still has a 24 percent risk of becoming diabled for at least three months. For a similarly healthy 35-year-old man, his risk is 21 percent. Not only that, but both men and women have a 38 percent chance that the disability would keep them out of work for five years or longer. Needless to say, the risk of disability is quite real.

Source: Consumerist, "15 Things Everyone Needs To Know About Disability Insurance," Karin Price Mueller, April 16, 2014

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