Читать книгу Social Security For Dummies - Peterson Jonathan, Jonathan Peterson - Страница 17

Almost 11 million Americans get Social Security’s disability benefits, a protection that extends to almost 2 million dependent family members. Social Security’s disability program is complicated, and it can be difficult to meet the standards required for benefits. I devote Chapter 11 to examining the program, as well as Supplemental Security Income (SSI) benefits for beneficiaries with the least income.

Many applicants for Social Security disability benefits are turned down, but these decisions may be reversed in the appeals process. In Chapter 8, I go over your options if Social Security makes a decision you disagree with.

You may not like to think about the risks you take walking out the door, but they may be higher than you realize. Almost four in ten men entering the labor force will become disabled or die before reaching retirement age; the same fate awaits more than three out of ten women.

Table 1-1 provides probabilities of death or disability for young workers (people born in 1999, in this example).

TABLE 1-1 Probabilities of Death or Disability

Probability of …	Male	Female	Combined
Death or disability before retirement	35%	31%	33%
Death before retirement (excluding disability)	9%	5%	7%
Disability before retirement (excluding death)	26%	26%	26%

Source: Social Security Administration