Most people want to work for their living. They derive satisfaction and often pleasure from achieving competence and success in the workforce.
So, if all that abruptly changes due to an accident or illness that leaves them unable to continue working, they may feel guilt for trying to access their Social Security benefits.
Why that attitude is problematic
Some workers allow a misplaced sense of pride or guilt to come between them and benefits to which they are entitled. They may think that SSDI or SSI benefits are only for other people. That they may suffer from the same conditions as those who legally qualify for benefits might not be enough to sway them into filing.
Too much to lose not to file
If illness or injury keeps you from maintaining gainful employment, you should trust in the system designed to protect those who can no longer earn their own living. Social Security Disability Insurance (SSDI) is funded by contributions taken from employees’ checks.
Alternatively, Supplemental Security Income (SSI) is a need-based program with very strict medical and financial requirements that all participants must meet. There are robust protections built into the system to prevent participants from accessing benefits that they do not truly deserve.
Don’t let misplaced guilt bar you from benefits
While you may hate to draw benefits before you hit your 60s, the fact is that you could face severe financial hardship by delaying your application. You could lose your house, become unable to support your family or even lose your home in a foreclosure.
It doesn’t have to be that way. Put your pride aside and address your situation with a professional who can guide you through the disability benefits application process.