Although everyone dreams of having that three bedroom house with a white picket fence and life that seems perfect to everyone on the outside, life throws curve balls. Whether it is a divorce, a work related injury, or full on disability, the perils of life mean that the only thing certain is uncertainty.

In these times, it may be worthwhile to contact someone who knows the ins and outs of certain organizations–like the Social Security Administration or your local appellate court. Someone who is steeped in the workings of the legal process, who can guide you, your family, and your case to the best possible outcome.

An injury attorney for an injury.

A divorce lawyer for divorce.

A disability lawyer for disability.

It’s helpful to have a representative, as they command a stronger reputation and persona than the average person applying for those financial outcomes. A legal representative can then guide you through the process of finding the right avenue to get what you feel and perceive your desired beneficial outcome.

A specific situation make look like this:

John has a job working at a grocery store. Unfortunately, John takes a fall and is rendered disabled. He is unable to work for months and doctors say it may take him as much as two years to fully recover. Even then, he will not have the same ability to move as he did before.

John wants to apply for disability. And his situation is not as uncommon as you think.

Studies show that at least one in four Millenials (20 something years olds) will become disabled before the age of 67. In fact, 64 million people participate in some program offered by the Social Security administration, according to recent statistics in 2014.

Disability can have damaging effects: including financial.

It’s not just loss of a job that impacts finances. Medical costs, including prescription drugs, general treatment, and doctors visits impact the finances of a disabled person quickly and significantly.

A recent Harvard University study showed that medical expenses accounted for 62% of personal bankruptcies in the United States.

For John, it’s more than his disability. He has been working at a grocery store, where the slip and fall took place. According to employee protection laws, he is supposed to be covered by workers’ compensation. Unfortunately, all these legal avenues prove difficult while he recovers from his fall. Therein, he contacts a legal representative.

A couple of statistics before moving to the rest of the story:

• 74% of states require that all businesses have workers’ compensation. 22% of slip/fall incidents resulted in more than 31 days away from work. 85% of workers’ compensation claims are attributed to employees slipping on slick floors.
  
  John’s is not the only one who has happened upon this situation. John decides that, although it’s going to cost a great deal of money, hiring a legal representative is the best way to secure his financial standing. He contacts a legal representative, one who is skilled in a workers compensation claim. That same legal representative also is skilled in disability claims.
  
  Although John has had an injury that has disabled him for the time being, he found an attorney that can handle both his cases, and get him the money that he needs to continue moving forward.