Will North Carolina Social Security Disability Coverage Be “Enough”?

June 9, 2011, by Michael A. DeMayo

A June 1st editorial in the Boston Globe raised an intriguing question that has relevance for potential North Carolina social security disability claimants: Will disability benefits be “enough”?

Elliot Raphaelson, a correspondent for the Globe, phrased the issue this way: “According to Money Magazine, chances are almost 20% that an employee will be disabled for at least a year sometime during his or her working life. Meanwhile, corporations are reducing their percentage of employees who are covered with long-term disability insurance. Apparently, only 48% of US companies offered this coverage in 2009.” He warns: “you should not depend on social security disability. To qualify you must be unable to work in any substantial job… you will not qualify for benefits for at least five months after the event that disables you. And you will not be approved unless the doctor certifies your disability will last at least a year.” Raphaelson also points out that approximately 2/3rds of social security disability applicants are turned down at first.

A lot of the issues that he and other pundits raise about the limits of North Carolina social security disability are crucial. But it’s also vital to scrutinize the use of the word “depend.” According to some philosophers of social security disability, no one should ever come to “depend” on government entitlement programs like SSD, SSI, workers’ comp, and unemployment. These programs simply serve to give hurt, injured, and otherwise disadvantaged people support structures to get back on their feet.

Yes, the SSD application process should be a stress free, easy, and simple process. In theory, everyone would like that. In practice, however, claimants often need to rely on the services of experienced North Carolina social security disability law firms to get a fair benefits arrangement and/or to move the appeals process forward per an equitable and realistic timeframe.

In summary: are there challenges to getting SSD and SSI? Absolutely. Is the system set up in a fair and equitable way? Not by a long shot, according to many independent reviews. Will complaining about the system’s inadequacies resolve your personal crises? Not likely. Are there proactive and constructive ways to approach your issues to get better results? Again – absolutely.

When you are sick, injured, or otherwise incapacitated, you may begin to see the world from a kind of scarcity mindset. So it may be bit difficult for you at first to detect potential support structures, programs, and people who can help you. That’s why it’s so important to turn to respected, reputable, and experienced guides, like a trusted North Carolina social security disability law firm.

More Web Resources:

If you need disability coverage, Social Security probably won’t be enough

Define Disability