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disability insurance

Question Posted Thursday June 20 2013, 2:16 pm

I am 58 years old. I have been sick mentally and have not been able work for the last 5 years.
I can not function or focus in my daily activities. I am disable as far as working any place due to memory problems. How can I apply for disability insurance or early retirement with IRS,

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adviceman49 answered Friday June 21 2013, 11:56 am:
It is probably to late to apply for any private disability insurance you had through your employer unless you kept the insurance up on your own. If so call the company that insures you and talk to a claims agent. They will send out the proper forms for you to fill out and submit to them.

As for Social Security you are too young for early retirement though you may qualify for disability. Use the following link

[Link](Mouse over link to see full location)

to go to the SSA page. On the left hand side you will see a tab APPLY FOR DISABILTY. click on this tab and follow the instructions to print out the forms. There are several pages and you need to fill out all the questions and give all the contact information for the doctors you have seen for this problem.

Once you have completed the form contact your local SSA field office and make an appointment to submit the forms. This is better than just mailing them back as someone will review them with you to make sure they are completed properly before they are forwarded to the right office. You can expect SSA to send you to their own doctor before making a decision.

This is a lengthy process that can take 3 to 6 months or more. You can also expect to be turned down on the first application, they do that a lot. You have the right to appeal any rejection. You can do that yourself or hire one of the lawyers you see on TV that specialize in obtaining SSA Disability coverage for you. You can also do that for the initial application if you want but it is not necessary from my thinking. They only get paid if they gain coverage for you and then it is a portion of your first three checks I believe.

Note: Paul never put your full name on anything like this website or other Internet sites.

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