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Posted in: Benefits on December 5th, 2012

Statistics by the Social Security Administration show that one in four Americans will suffer a disabling injury before retirement. Considering the impact that short- or long-term disability will have on a large part of the American workforce, disability benefits and Social Security insurance are gaining significant importance.

Disability By The Stats

According to the Bureau of Labor about 56.7 million Americans live with a disability, which accounts for almost 20% of the population. And a further 38.3 million of Americans are severely disabled, which is approximately 13% of the general population. Among the five most common disabilities are arthritis and rheumatism, back pain, heart trouble, respiratory problems and mental disorders. In terms of employment, disabilities can have devastating effects on the professional lives of individuals. The National Safety Council estimates that the average cost of a non-fatal disability is around $70,200 dollars. Moreover, the Council of Disability Awareness reports that 350,000 bankruptcies each year can be attributed to unexpected injuries, illnesses or accidents.

In 2011, 15% of disabled people were unemployed compared to only 8.7% of the non-disabled population. This means that the employment-population ratio for people with a disability that depend on supplemental security income is higher. Among the jobs with the highest likelihood for causing disabilities are fire protection, farming, nursing and police protection. Physically demanding jobs are more likely to cause temporary or permanent disabilities, especially regarding rheumatism or back problems.

Disability insurance can offer workers compensation for their inability to actively participate in the workforce. Disability is a subject you may read about in the newspaper, but not think of as something that might actually happen to you. But your chances of becoming disabled are probably greater than you may realize.

 

Social Security Disability News

Find recent news, information and resources about social security benefits. Discover what you need to know about how to win your benefits case.

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