Can You File For Disability Without A Job?
If you’re out of work or unable to work because of medical reasons, you may be wondering if you can file for disability without a job. The answer is yes, it’s possible, but there are certain stipulations that could make the process more difficult. Here’s what you should know:
Government-Funded Disability Benefits
The Social Security Administration provides disability benefits to those who cannot work due to physical or mental impairments. To qualify for government-funded disability benefits, you must:
- Prove that your disability is expected to last for at least 12 months or will result in death.
- Meet the Social Security Administration’s definition of disability
- Have worked a certain number of years over the past decade, depending on your age when your disability started.
Private Insurance Benefits
If you have a private insurance policy, such as one provided by an employer or purchased as an individual, that may cover some or all of your medical costs associated with a disability. However, there are some stipulations with private insurance that you should be aware of:
- Your disability must be covered by your policy. Check to see what medical conditions your policy covers.
- You must meet any disability requirements set forth in the policy, such as being unable to work for a specified amount of time.
- Your coverage may be limited to certain types of disabilities.
It is possible to file for disability without a job, but certain qualifications and requirements must be met to be approved for government-funded or private insurance-funded benefits. Be sure to research all your options and consult with a legal professional if you have any concerns.