There are more and more people working later into their lives these days than was once the norm. Filing for Social Security is an option; however, retirement may not be the best way to go for many Oregonians. A generation appears to be finding the need for alternative ways to support themselves in lieu of the insufficient funds after they retire. Ways which often include going back to work, regardless of how a disability might affect them.
One man recently served as a prime example of this issue, as he is 78 years old and still working 8-hour shifts. While his work is perhaps less taxing physically, it does require him to stand much of the time and he does so 5 days per week in order to afford his bills. He is reported to only have a meager amount of wages to put into savings by the time he is done paying for his expenses – a modest and sometimes necessary account from which he must draw.
This man was in the unfortunate circumstance of needing heart surgery. While his Medicare and employee plan covered the entire cost of the procedure, he had to be on medical leave from work for a few months, causing his savings to dwindle much faster than they had accumulated. The rates that health insurance requires from a retiree often deter many from getting proper coverage and can sometimes keep them working longer for the benefits packages.
There are so many Oregon residents who have reached a retirement age, yet are unable to take the blow of not receiving those wages or benefits. These situations become even direr when an employee has a disability and cannot only not afford to work but actually is incapable of working.
Social Security Disability is a helpful program for those who are unable to work and have been struggling to support themselves or their families due to the loss of income. For those applicants having trouble with their claim or the appeals process, working with an attorney could help them to know the best routes to go and what options are available.
Source: The New York Times, “Pushing 80, and still punching the clock,” Ann Carrns, Nov. 13, 2012