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Disability Insurance
Employers as well as employees pay into the Social Security Disability fund through taxes. According to the National Association of Social Insurance (NASI), the Social Security tax is 6.2 percent of non-contract (freelance) employees, making up to $113,700 in 2013. This income cap increases and decreases as income levels fluctuate. According to NASI, 8.8 million disabled workers were receiving benefits at the beginning of 2013.

This may seem a staggering number, but incurring a disability while of working age is more common than one may think. One in four workers at age 20 today will be disabled while of working age throughout his career. Because of this, carrying disability insurance can be as important as life insurance. If a person has paid into the Social Security fund over his career, he will be entitled to disability insurance benefits, but the application process is not an easy one and many deserving patients are declined. Additionally, the average monthly benefit is roughly only $1,150.

This is why carrying a private disability insurance plan could be a good idea. Many employers may offer sick leave or short-term coverage to temporarily reimburse employees who are injured, but these benefits are unlikely to extend to long-term or permanent disabilities. Even if your employer offers a long-term disability plan, these are unlikely to cover more than 60 percent of your salary. Additionally, this pay is considered income, making SSDI benefits lower than they would otherwise be.

Buying a disability insurance plan is similar to purchasing any other insurance plan. Reading the fine print and being aware that older people or smokers may be charged more, are important things to keep in mind before buying. Speaking with a Social Security Disability lawyer is a worthwhile idea as well.

If you or someone you know is applying for Social Security Disability in Texas, the most important step is to seek the counsel of a disability attorney. Contact the law office of Bemis, Roach & Reed today.

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