When you can't work because you have become disabled, you are essentially experiencing an enforced retirement. But not the kind of retirement you might have been hoping to enjoy. However, it doesn't need to be a disaster.
Social Security Disability (SSD) insurance pays monthly cash benefits to people who have paid enough FICA taxes to qualify, and are now unable to work for a year or more because of a disability. After a waiting period, SSD eligibility also allows you to receive Medicare benefits - even if you are under age 65.