If your loved one is employed, he or she should check with the employer regarding private disability insurance. The employer’s human resources department can provide information about eligibility, the cost of enrollment, and the amount of salary the insurance will cover. If your loved one is not working, he or she may want to apply for Social Security. If your loved one does not qualify for Social Security, state-run disability programs may be considered. If your loved one’s total income is below a certain level, he or she may qualify for federally subsidized Supplemental Security Income (SSI). If an individual collects SSI, he or she is a candidate for Medicaid regardless of age.
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