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By BRUCE HUNDLEY
Rappahannock Neva Contributing Writer
What would happen to you or your family if you were to suffer an injury that prevents you from working for a year or more? For too many people, the answer to that question is so depressing that they refuse to think about it. But studies show that one out of four people can expect to become disabled at some point in their lives. And studies also show that very few carry disability insurance that can tide them over the hump.
This is where Social Security comes in. Social Security pays disability benefits to people who have a severe physical or mental disability that is expected to keep them from working for a year or more or to result in death. Four out of five workers are covered by Social Securityprotection that pays benefits to them and their families should they be forced to leave their jobs early because of disabilty. The coverage is based on the Social Security taxes deducted from your paycheck (or that you pay to the Internal Revenue Service if you’re self-employed).
The amount of work you need under Social Security to qualify for benefits depends on your age and when you become disabled. The younger you are the less work you need. People under 22 may qualify with only 11/2 years of work. People
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