Among all of the taxes extorted out of your pay, there one funding Social Security disability insurance. How can you get some of your money back? Well, it's very, very easy. Actually, not that easy.
First of all, you have to have at least five years worth of of your payroll taxes kicked into this particular system. Next, you're out of luck if you've reached retirement age. (If you find yourself still having to work at this point in your life, now would not be a good time to become disabled. You can pretty much kiss those dollars taken from you goodbye.)
Then, you have to have been suffering with a verifiable "mental or physical impairment" for at least a year before you can submit the paperwork. Surprisingly, death qualifies as a physical impairment. Perhaps because rigor mortis is easy to verify. In any case, death seems more of the ultimate disability. It's also one that you are going to have great difficulty in collecting on for yourself.
Let's say you've made it this far – you've had enough of your money taken from you, you're young enough, you suffered long enough with your job-hampering, verifiable disability and – here’s the important part – you’re not dead. So now, it should be easy enough to start collecting those SSDI benefits, right? Please! Remember this is your government and they are here to help. It takes your favorite bureaucrats on average 2 to 4 years to process and deny 63% of the claims.
So work hard and earn lots! Someone has got to win this SSDI lottery ... or become disabled trying.
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