I’ve talked with many people that think that Social Security Insurance is a viable alternative to owning disability insurance.  Most people don’t understand the facts behind Social Security Insurance.

First, SSI is a program that is setup for those that are totally disabled and unable to work in any type of occupation.  Their disability is totally debilitating and SSI is in many cases their only option.  If these people were to go work anywhere, in many cases their benefits would be reduced or even eliminated completely. 

SSI isn’t really for people with short term disabilities.  If you are disabled for 6 months, SSI is not a viable option.  There are many cases where SSI can take years to get started.  There are review processes as well as medical examinations that need to take place.  If the SSI doctor does not agree with your claim, then you have to go through an appeal process.  There are times where you even have to go to court to fight for your rights.

An alternative to SSI is a disability insurance policy.  You can choose a policy that can pay a short term amount or you can purchase one that can pay up to a lifetime.  Policies such as disability insurance for the physician will also allow people to find work in other fields and still receive payments for their disability.  

If you need insurance, you can get disability insurance quotes online.  There are many companies that can give you an affordable policy that will give you a financial advantage over SSI.

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