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The necessity of SSD depends on individual situations

For people who are used to maintaining a job that allows them to make a living and provide for their families, hearing that their recent injury in Ohio is going to prevent them from working for the foreseeable future can be completely disheartening. While some people may be able to heal enough from their injury to resume their employment after a temporary break, others may find that their future as they have always anticipated, looks completely different now. 

When people are faced with the difficult news that their injury will prevent them from continuing to work, one of the first questions they may ask is how long this setback will last. For some, their injury may be temporary, but for others, it may be a permanent challenge. Social Security Disability benefits are a resource provided to anyone who finds themselves in a situation where they are unable to work. Whether or not they are approved for benefits requires time and analysis as experts overlook applications in detail to guarantee that recipients do indeed qualify for coverage. 

Additionally, some people may invest in a long-term disability insurance policy that may provide more stability and larger payments so long as they are unable to work. However, experts suggest that this type of coverage is not necessary for everyone and whether or not people choose to purchase disability insurance is a case-by-case basis. The cost of an insurance premium also varies from individual to individual depending on unique factors including the applicant's age, occupation and health history. 

If people are in need of supplementary income while they are unable to continue working due to an injury, an attorney may be able to help them. Legal professionals are familiar with the process of applying for Social Security Disability benefits and can help provide support throughout the process. 

Source: Business Insider, "Disability insurance can replace your income if you're injured or too sick to work, but not everyone needs it," Tanza Loudenback, Jul. 12, 2019

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