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Social Security For Dummies, 2nd Edition by Jonathan Peterson

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Chapter 11

When You Can’t Work: Social Security Disability Benefits

In This Chapter

arrow Identifying the two disability programs that Social Security runs

arrow Answering five key questions to qualify for benefits

arrow Making your best case for disability benefits

arrow Handling rejection

arrow Transitioning back to work

When you’re healthy and working and leading a busy life, it may be hard to imagine yourself becoming disabled. But the risk is very real. According to the Social Security Administration (SSA), a 20-year-old today has a 27 percent chance of suffering a disability before retiring. If that happens to you, your whole life may be in crisis. How will you support yourself and your family? Social Security’s disability protections were created to ease such hardship, but the benefits aren’t easy to get.

The SSA has various rules that are intended to yield consistent decisions on who qualifies for disability. Applying for disability benefits is typically a lot more complicated than applying for retirement ...

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