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Debt can add an abundance of stress to your life. Bill collectors constantly contacting you by phone, text, or email, are extremely overwhelming.

For many, the idea of declaring bankruptcy is a last-resort option that they’d just as soon avoid at all costs. While it is true that you shouldn’t make this decision lightly, it also may be the best step forward, depending on your situation. When you decide to file for bankruptcy, you’re making a long-term plan for your future that will ultimately leave you in a better financial position.

If you’re facing a condition that prevents you from working and are considering applying for disability benefits, you will need an evaluation from a physician to verify your disability. Even so, first-time applicants are turned away more than half the time, often due to not providing sufficient medical evidence.

The Social Security Administration (SSA) administers two programs for individuals living with disabilities. One is known as Social Security Disability Insurance (SSDI), which is funded by Social Security taxes.

If you have become disabled and need financial support, you might be considering applying for Social Security disability benefits. However, before you apply for benefits, you need to determine whether you have a qualifying disability. Just because you cannot work does not guarantee that you are eligible for disability benefits.

Social Security disability benefits provide a critical and reliable source of financial support to those with a qualifying disability that limits their ability to work. Often, the Social Security Administration denies claims for benefits. However, if you apply for Social Security disability benefits, also known as SSDI, and your claim is denied, you do not have to accept the SSA’s decision.