Becoming disabled either through illness or injury and not being able to work in Alabama can be quite financially devastating. You may think that you can rely on your employer or Social Security Disability to help you get by and pay your bills. However, for many people, the amounts paid through employer programs and SSDI are not enough to help them stay afloat financially.

Kiplinger explains that both employer programs and SSDI only pay a portion of your actual earnings. Neither type of program will pay you the full salary that you miss out on by not being able to work. They also do not compensate for bonuses or other extras that you may receive as part of your compensation.

SSDI will pay your benefits until you reach retirement age. At that point, the benefits transfer to retirement benefits. Often, though SSDI requirements to qualify are much more strict than an employer program. A denial is not uncommon. Even if you do qualify and receive benefits, you will only get whatever you are entitled based on your past payments into the Social Security system. If you do start to earn income again, The Social security Administration will reduce your benefits.

The bottom line is that if you anticipate a disability that will prevent you from working, then you need to get a financial plan in place. This means buying private insurance or figuring out how much you can get through an employer program or SSDI and reducing your expenses accordingly. This information is for education and is not legal advice.