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How Is Disability Insurance Jerry-Rigged?

By HypoGal | September 10, 2015

How Is Disability Insurance Jerry-Rigged?

Disability Insurance Facts

Disability Insurance Facts

How Is Disability Insurance Jerry-Rigged?

Disability Insurance is a topic that is often not  clear or well-defined in our society. The subject of disability insurance can make some people feel sad.  Whereas, other people are in denial that they may incur a debilitating illness or injury.

The reality, the Social Security Administration reports that  1 out of 4 individuals over the age of twenty years old will become disabled for a period of over 90 days during their work years.

It is not Disability Insurance that is Jerry-Rigged but the misconception of how disability insurance functions. 

I had no idea until I developed a chronic illness how difficult the Social Security Disability Insurance can be to navigate. If  a person has all of their required medical documents are in order the average time for your Social Security Disability Insurance process time is 90 days. Unfortunately, some applicants may have to wait up to six months to have their S.S.D.I. application processed.

Roughly, 70% of applicants are not approved the first time they apply for Social Security Disability Income.  Also,  90% of all disability claims are due to illness and not work related injury.

The fortunate applicants that receive approval from  Social Security Disability Insurance can expect to receive between $750.00 – $1,700. a month. The average monthly amount of  SSDI monthly payment in 2015 was $1,165.

Most people can not financial survive on a monthly income stream $1,700. Unfortunately, if you become seriously ill or seriously injury you will need money more than ever. There will be medical bills, hospital bills, caretaker bills, prescription bills…. The amount of bills from being sick or injured seems endless.

Sadly, your monthly income with be smaller than ever. It is an alarming fact that the enormous cost of United States healthcare causes most bankruptcies.

You need to protect yourself and your family.  I was fortunate to have disability insurance through an employer.  If your employer offers this type of insurance please check the box.  The few dollars you pay monthly in disability insurance premiums can protect you from a lifetime of financial ruin.

If your employer does not offer disability insurance then you should explore your disability insurance options.  Disability Insurance policies may seem expensive but they are priceless.

Below is the definition of  Jerry-rigged:
jerry–rigged
adjective jer·ry–rigged \ˈjer-ē-ˌrigd\
: made in a quick or careless way : not built or designed well
Okay? Bizarre origins of the
world’s most recognized word. »
Full Definition of JERRY-RIGGED

: organized or constructed in a crude or improvised manner <a jerry–rigged plan>
See jerry–rigged defined for English-language learners
See jerry-rigged defined for kids
Origin of JERRY-RIGGED

The lack education and awareness our society provides about Disability Insurance answers to me; How Is Disability Insurance Jerry-Rigged? I feel our society does not provide enough education about Disability Insurance. Most individuals do not understand the importance of Private Disability Insurance until they have encountered serious illness or injury.

  1. http://www.merriam-webster.com/dictionary/jerry-rigged
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