Applying for Disability

Applying for disability benefits can include private or government benefits. In the US, certain employers must comply with the Family and Medical Leave Act (FMLA) depending on if they're a public entity or a private entity of a certain size. The FMLA ensures that "eligible" employees are allowed to take off 12 weeks in any 12 month period if they experience a serious health condition such as a debilitating stroke. It is good to know that family members may be eligible to take time off work under FMLA to care for a family member that has experienced stroke. To find out more about FMLA, you can visit

Private Benefits:

If you have disability insurance through your place of employment, contact your human resources department for instructions regarding application for disability. If you're not sure about your benefits, definitely call HR to find out about any coverage you may have.

If you have private disability insurance that you have previously purchased on your own, check with your insurance agent to help you apply for benefits.

Government Benefits:

The US Social Security Administration pays disability benefits through two programs: Social Security Disability Insurance (SSDI)and Supplemental Security Income (SSI). To be considered disabled by the Social Security Administration, one must be unable to do any substantial work due to a medical condition and the medical condition has to last one year or be expected to last one year. SSDI is for insured workers, their disabled surviving spouses, or children of disabled/deceased workers. SSI is for people with little or no income and resources. Find out more about the two programs and apply online, visit

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