The process of applying Social Security Disability Insurance or Supplement Security Income is arduous and can take a long time. With this being the case, if you are reading this and are not yet disabled, you may be wondering what you can do to protect yourself if you suffer long-term disability. The direct reports expect that it will run out of funds by 2014, while some more lenient experts say that the program should last until 2017. Either way, this is not a particularly invigorating analysis of the subject. If you are not currently disabled, it might be wise to start making provisions for yourself if you are in the future. Fortunately, there are varieties of disability insurance that you can have, which are outside the realm of the federal government. Assuming that you work a job where there is a high likelihood of disability, you might be able to get disability insurance through your employer. This will protect you if you suffer a debilitating injury or illness and are unable to work due to these conditions. Variations Disability insurance that is private comes in two forms: short-term and longterm. Short-term is the variety of disability insurance that most employers offer. Unsurprisingly, it is also the most limiting form of disability insurance that you can buy. It usually is limited only to the job site. Therefore, if you end up becoming ill due to causes outside of work, or end up injuring yourself in a non-work related matter, short-term disability usually will not apply. Long-term disability is the more expensive of the two options and is usually purchased separately. Also unsurprisingly, this is the more expensive of the two options. But it is worth noting that sustaining a disability is often much more expensive than dying. Especially considering that SSDI is in such dire straits, it might be worth your while to look into purchasing your own private disability insurance plan. If you are interested in private insurance, you can either talk to your current carrier or search for a new one through the Internet or phone book. You may also contact the Social Security Administration Office for advice on private disability insurance. It is always worth the money to protect yourself.
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