Thursday, May 19, 2022

Can You Get Disability And Social Security Benefits

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Will I Still Be Able To Swap All Or Part Of My Mobility Payment For The Motability Scheme

Can I work if I’m getting social security disability benefits?

People who get the highest rate of the mobility component of ADP will be able to transfer either the whole or part of the money they get for the mobility component to access the Accessible Vehicles and Equipment Scheme .

This new Scottish scheme will provide a service similar to the current Motability scheme, with a range of cars, wheelchair accessible vehicles, scooters and powered wheelchairs on affordable leasing terms, with a range of adaptations at little or no cost.

Clients who have an existing Motability lease will be able to retain their vehicle until the end of that lease.

To keep up to date with the new disability benefit join our Money Saving Scotland Facebook group here, follow Record Money on Twitter here, or subscribe to our twice weekly newsletter here.

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Can You Do Any Other Type Of Work

If you cant do the work you did in the past, we look to see if there is other work you could do despite your medical impairment.

We consider your medical conditions, age, education, past work experience, and any transferable skills you may have. If you cant do other work, well decide you are disabled. If you can do other work, well decide that you dont have a qualifying disability and your claim will be denied.

Apply For Benefits Online

You should apply for disability benefits as soon as you become disabled. Follow these easy steps to apply online for disability:

  • To start your application, go to our Apply for Benefits page, and read and agree to the Terms of Service. Click Next.
  • On that page, review the Getting Ready section to make sure you have the information you need to apply.
  • Select Start A New Application.
  • We will ask a few questions about who is filling out the application.
  • You will then sign into your mySocial Security account, or you will be prompted to create one.
  • Complete the application.

You can use the online application to apply for disability benefits if you:

  • Are age 18 or older.
  • Are not currently receiving benefits on your own Social Security record.
  • Are unable to work because of a medical condition that is expected to last at least 12 months or result in death and
  • Have not been denied for disability in the last 60 days.
  • Note: If your application was recently denied, our application is a starting point to request a review of the determination we made.

You may be able to file online for SSI at the same time that you file for SSDI benefits. Once you complete the online process above, a Social Security representative will contact you if we need additional information.

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Who Qualifies For Ssdi

  • People who have worked for a number of years and had enough money taken out of their paychecks for Social Security
  • Self-employed people who paid self-employment taxes
  • You must meet Social Securitys very strict definition of disability to qualify for SSDI.
  • Having a low income or financial needs do not affect whether you can get SSDI.

If you get turned down for SSDI, reapply, and appeal if necessary. Many cases end up being approved after an appeal. The amount you get from SSDI will be based on how long you worked, and how much Social Security tax was taken from your pay. Once you apply for SSDI, the disability clock starts running.

If your disability application is approved, you will usually receive your first benefit payment six months after the date the Social Security Administration finds that your disability began. You will also become eligible for Medicare after you’ve received SSDI benefits for 2 years.

If you qualify and start getting SSDI, your spouse and any eligible children can also apply for SSDI. If you find you dont qualify for SSDI, but you are disabled and have limited income and resources, look into Supplemental Security Income . This program also can pay benefits to the disabled, but is based on your income and need.

Musculoskeletal System And Connective Tissue

Can You Work While Getting Social Security Disability ...

The SSA reports that the largest category of diagnoses among disabled workers receiving disability benefits was diseases of the musculoskeletal system and connective tissue. These disabilities, which represented 32.3 percent of the diagnoses, involve damage to ones nerves, muscles, tendons or ligaments. Examples of this type of disorder include:

  • ArthritisAn individual with rheumatoid arthritis, a disorder of the immune system, must experience significant limits on his or her ability to work to qualify for benefits under this medical diagnosis. Rheumatoid arthritis is sometimes referred to as a connective tissue disorder.
  • Back pain Abnormal curvature of the spine may affect an individuals ability to walk as well as the function of other body systems. The intensity of back pain and the limitations on an individuals ability to function are considered in a disability diagnosis related to back pain.
  • FibromyalgiaFibromyalgia is a complex syndrome in which a person has widespread pain in the joints, tendons, muscles and soft tissues that lasts for more than three months. Claims reviewers will try to assess whether there is adequate evidence to show that the condition limits a persons ability to perform any type of gainful work.
  • Reflex Sympathetic Dystrophy RSD describes a range of symptoms that may occur from injury, diseases or surgery. RSD is characterized by intense burning or aching pain typically caused by trauma to a single extremity.

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You Can’t Earn Delayed Retirement Credits Even Though Your Spouse Can

A primary earner claiming benefits on their own work history can actually increase the amount of money they get above and beyond their standard benefit amount.

They can do this by waiting beyond their full retirement age and earning delayed retirement credits. Credits are available until 70, and increase a standard benefit by 2/3 of 1% per month, or up to 8% for each full year of delay.

While it often pays off for a primary earner to wait to get this extra money, retirees claiming spousal benefits can’t increase their checks using this approach. Delayed retirement credits aren’t available for spousal benefits, which can’t go above 50% of the primary earner’s standard benefit.

Since you get no bonus for waiting, there’s no benefit to delaying the start of spousal benefits beyond your full retirement age. You still might have to wait, though, if your spouse hasn’t yet unlocked eligibility by claiming their own checks.

Knowing all three of these rules is vital to making an informed choice about when you want your spousal benefits to begin, so make sure you understand their implications and work with your partner to make decisions about Social Security that make the most sense for both of you.

What Are Social Security Disability Benefits

Social Security disability benefits come from payroll deductions required by the Federal Insurance Contributions Act to cover the cost of Social Security benefits such as retirement, as well as spousal and survivor benefits. Some of this funding goes into the Disability Insurance Trust Fund and pays for disability benefits.

According to the Social Security website, to qualify for Social Security disability benefits, you must have worked a certain length of time in jobs covered by Social Security. Generally, you need 40 credits, 20 of which were earned in the last 10 years, ending with the year when you became disabled. You must also have a medical condition that meets Social Securitys definition of disability.

Social Security Disability Insurance should not be confused with Supplemental Security Income , which pays benefits to those who have financial needs regardless of their work history. Although these two names sound similar, the qualifications to get the payments and what you might receive are very different.

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The Exception To The Rule

You may be able to get both benefits if you opted for early retirement before you received disability benefits. These are also known an concurrent benefits. This exception would be applicable in a situation where an individual retired early due to serious medical conditions. If that individual can prove that they developed the disability prior to receiving early retirement income, theyll be able to earn both benefits.

Other Income That Could Reduce Your Ssdi Payment

Can I work part time and get Social Security Disability benefits?

Any disability benefits you receive from a private long-term disability insurance policy won’t affect your SSDI benefits. Nor will SSI or VA benefits impact your SSDI amount. But government-regulated disability benefits, such as workers’ comp or temporary state disability benefits, can affect your SSDI benefits. Here’s how that works: If the amount in SSDI plus the amount from government-regulated disability benefits is more than 80% of the amount you earned before you became disabled, the SSDI or other benefits will be reduced.

Before Inez became disabled, her average earnings were $5,000 per month. Inez, her spouse, and her two children would be eligible to receive a total of $3,000 a month in Social Security disability benefits. But Inez also receives $2,000 a month from workers’ compensation.

The total amount of benefits Inez and her family would receive$5,000is more than 80% of her average earnings. So, her family’s Social Security benefits will be reduced by $1,000, from $3,000 to $2,000. That way, the $2,000 a month from workers’ comp and the $2,000 in disability benefits means they will receive a total of $4,000 per month, which is 80% of the earnings figure of $5,000.

The following types of government benefits could lower your SSDI payment:

  • workers’ comp payments
  • civil service disability benefits, and
  • state or local government retirement benefits based on disability.

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How Much Work Do You Need

In addition to meeting our definition of disability, you must have worked long enough and recently enough under Social Security to qualify for disability benefits.

Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.

The amount needed for a work credit changes from year to year. In 2021, for example, you earn one credit for each $1,470 in wages or self-employment income. When you’ve earned $5,880, you’ve earned your four credits for the year.

The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.

For more information on whether you qualify, refer to How You Earn Credits.

Ptsd And The Ssa Blue Book

The SSA Blue Book includes a list of qualifying medical and mental illness impairments. This listing contains medical criteria that applies to how they evaluate impairments when determining disability benefits.

In the SSA Blue Book, there are 11 categories listed for mental disorders. Within this portion, Section 12.15 includes trauma and stressor-related disorders, which includes PTSD.

According to the SSA, the disorder is characterized by experiencing or witnessing a traumatic event and the psychological aftermath of clinically significant effects on functioning. Examples of symptoms and signs of PTSD may include:

  • Distressing memories
  • Dreams and flashbacks related to the trauma or stressor
  • Avoidant behavior
  • Diminished interest or participation in significant activities
  • Persistent negative emotional states
  • Persistent inability to experience positive emotions
  • Anxiety or irritability
  • Aggression or exaggerated startle response
  • Difficulty concentrating
  • Sleep disturbance

If your PTSD is severe enough that prevents you from working, you may be entitled to Social Security Disability benefits. Do you need help applying for disability?Contact us today.

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Is Your Condition Severe

Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering for at least 12 months. If it does not, we will find that you are not disabled.

If your condition does interfere with basic work-related activities, we go to Step 3.

What Do I Need To Know About Advance Designation

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You should be aware of another type of representation called Advance Designation. This relates to the Strengthening Protections for Social Security Beneficiaries Act of 2018, which was signed into law on April 13, 2018.

Advance Designation allows capable adult and emancipated minor applicants and beneficiaries of Social Security, Supplemental Security Income, and Special Veterans Benefits to choose one or more individuals to serve as their representative payee in the future, if the need arises.

To help protect whats important to you, we now offer the option to choose a representative payee in advance. In the event that you can no longer make your own decisions, you and your family will have peace of mind knowing you already chose someone you trust to manage your benefits. If you need a representative payee to assist with the management of your benefits, we will first consider your advance designees, but we must still fully evaluate them and determine their suitability at that time.

You can submit your advance designation request when you apply for benefits or after you are already receiving benefits. You may do so through your personal account, by telephone, or in person.

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Who Is Eligible For Ssi

People who receive SSI benefits are generally older or have a disability that prevents them from working. Beneficiaries receive funds from the government to help them pay for their basic living expenses, such as food, clothing, and shelter.

Its a needs-based system, says , a certified financial planner and founder of Protected Tomorrows, a financial planning firm focused on helping families with members who have special needs. SSI benefits are for someone who doesnt have income, hasnt paid into the system , and who needs help.” The program is income and asset-based. You need to prove you cant make money and have no assets,” Ehlert notes.

Payment Rates For Adult Disability Payment

Social Security Scotland will provide the same rate of all forms of Disability Assistance as the current rate of the equivalent UK disability benefit and will increase in line with inflation each year.

Based on 2021/2022 rates the weekly amounts of Adult Disability Payment are:

Daily living

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Benefits For Your Children

When you qualify for Social Security disability benefits, your children may also qualify to receive benefits on your record. Your eligible child can be your biological child, adopted child, or stepchild. A dependent grandchild may also qualify.

To receive benefits, the child must:

  • Be unmarried.
  • Be under age 18 or
  • Be 18-19 years old and a full-time student or

Social Security’s Alternative Listing For Depression

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Social Security provides another way to meet the listing for depression for those who can’t show they currently have the functional limitations above because they’ve been living in a highly structured or protected situation or undergoing intense therapy.

If you are in this situation, you may be able to meet a second set of functional criteria. You can do this if your disorder has been medically documented as serious and persistent over a period of at least two years and you have either been living in a highly structured setting or you’ve been receiving ongoing medical treatment, mental health therapy, or psychosocial support that diminishes the symptoms of your mental disorder. You must also show that you have little ability to adapt to demands that are not already part of your daily life or to changes in your environment.

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Qualifying For Benefits Without Meeting A Disability Listing

If your stroke does not qualify under a listing but still prevents you from working, you may get approved for disability under a medical vocational allowance.

The SSA will require you and your doctor to complete functional report questionnaires that detail all of your medical conditions, symptoms, treatments, and the limitations you face on a daily basis. These functional reports are an essential component of the residual functional capacity analysis or RFC.

Through a RFC, the SSA considers your age, job training and skills, formal education, and your all of your medical conditions in addition to your functional limitations.

If all these factors combined show you cannot work in ANY job for which youre otherwise qualified, then the SSA can grant you medical vocational allowance.

Lets say, for example, you worked in a manufacturing position that required the use of both arms prior to your stroke. Your left arm is paralyzed or limited severely after your stroke but all your other abilities are otherwise unaffected.

You cant go back to your manufacturing job, but the SSA also needs to know if you could find a different job in which the loss of your left arm wouldnt prevent you from performing essential job duties.

If you have the skills to work in an office job, then the SSA would deny you benefits believing you should be able to find gainful employment elsewhere.

New Disability Benefit Replacing Pip From Next Month Will See Dwp

Transfer to the new social security system for existing claimants is due to start in August.

  • 12:02, 10 FEB 2022

Personal Independence Payment will start to be replaced by the new Adult Disability Payment from next month, opening for applications in three pilot areas from March, 2022.

Legislation for the new benefit has now been formally approved by the Scottish Parliament which means that people of working age with a disability, long-term illness or physical or mental health condition, living in Dundee City, Perth and Kinross and the Western Isles council areas should apply for disability assistance to Social Security Scotland – and not the Department for Work and Pensions – from March 21, 2022 onwards.

A phased launch of the new support payment has been scheduled for all 32 council areas across Scotland with nationwide rollout due to begin on August 29, 2022.

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People already receiving PIP will not need to apply for Adult Disability Payment and their awards will be transferred automatically to the Social Security Scotlands system.

The Scottish Government confirmed that this migration will be done safely and securely so that people will still get the same amount of money, to the same account with the date of their first payment confirmed in writing before they transfer.

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