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What are the added costs associated with a disability?

There is this assumption that disabilities are not very common. However, because disabilities can come in all shapes and sizes, more people in Florida and nationwide are inflicted by a disability than one might presume. Living with a disability, whether it is apparent on the outside or not, can be challenging. It can also be financially difficult, especially if a person's disability makes it impossible to work.

What are the hidden costs associated with disabilities? The term disability refers to a wide range of physical, sensory, mental and intellectual disabilities. Whether a person was born with a disability or acquired one later in life due to an injury or illness, it is important for individuals to understand how a disability could financially impact them.

While it is clear that there will be financial challenges, especially if a disabled person is unable to work, there are costs associated with disabilities that many do not expect. While medical treatment will likely be required and is expected, a person living with disabilities is likely to endure higher medical expenses. Whether it is for medical equipment or assistive care, this can add up.

In addition, in order to accommodate his or her needs, specialized transportation of a modified home might be necessary. This can add to the costs, especially if there are restrictions on which neighborhoods these can occur in. With just these few costs in mind, it is apparent that it is nearly impossible for those living with disabilities to meet their ongoing needs. Because of that, those living with disabilities may seek financial assistance through Social Security disability. These benefits can help address a person's basic needs while he or she is unable to work.

Living with a disability often means living with the accumulated costs associated with treating or addressing the condition. Social Security disability benefits can help offset these challenges, making it easier to live with a disability. Those considering these benefits should understand the application process and what they could do to secure these benefits.

Source: The Conversation, "The hidden extra costs of living with a disability," Sophie Mitra, Daniel Mont, Hoolda Kim, Michael Palmer and Nora Groce, July 25, 2017

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