If your health is so severely impaired that you cannot work, you may have considered applying for Social Security disability insurance (SSDI), a federal program designed to provide long-term financial protection for those who’ve paid into the program as working adults.

If you’ve been reluctant to apply for SSDI because of horror stories about mountains of paperwork, denials, and long waiting periods for your first check, take heart: Many of these tales are simply myths. And help for the application process is available — much of it for free. Читать далее →