There are few things in life that truly offer some level of protection from instances that can be life-altering, and not in a good way. Most folks living in Colorado Springs needs to work in order to make a living and have the things they need for themselves and their family. When a person’s ability to work is in question, chaos can ensue. It’s good to know that for wage-earning Coloradans, Social Security disability benefits are there to help.

According to the Social Security Administration, 90 percent of Americas workers age 21 – 64 are covered by the Social Security disability program if instances of long-term disability arise. Many think that a disability couldn’t or wouldn’t happen to them. However, the SSA claims that a little over 25 percent of today’s 20-year-olds will become disabled prior to reaching their 67th birthday, which is the current age of full retirement. Most need 40 lifetime work credits (based on how much you work and thus contribute to SSD) however, the program is staggered based on age and thus ability to have earned those credits when disability arises.

The hope is that a disability will never strike and workers will live out the rest of their working years without incident. However, no one plans to become disabled, a variety of events could cause a person to become disabled, whether they like it or not. That’s what Social Security disability benefits are there for. Workers earn credits that gain them access to this often-overlooked benefit managed by the SSA.

Remember that the disability could happen due to anything. An illness could render a person disabled. Car accident injury can quickly lead a person to long-term disability. Even something more complex, like mental illness, can render a person unable to work.