Benefits For People With Disabilities
The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
Social Security Disability Insurance pays benefits to you and certain members of your family if you are “insured,” meaning that you worked long enough and paid Social Security taxes.
pays benefits based on financial need.
When you apply for either program, we will collect medical and other information from you and make a decision about whether or not you meet Social Security’s definition of disability. Periodically, we will need updated information about your condition. You may receive a Disability Update Report . This form can now be completed online.
Use the Benefits Eligibility Screening Tool to find out which programs may be able to pay you benefits.
If your application has recently been denied, the Internet Appeal is a starting point to request a review of our decision about your eligibility for disability benefits.
If your application is denied for:
Some Publications That Will Give You More Information On Disability Benefits
The Disability Starter Kit will help you get ready for your disability interview or online application. Kits are available for adults and for children under age 18.
The starter kits provide information about the specific documents and the information that we will request from you.
The kits also provide general information about the disability programs and our decision-making process.
Here are some additional resources with information on disability benefits:
- Disability Evaluation Under Social Security – Medical criteria for evaluating Social Security disability claims
Disability Benefits Program Options
You will most likely be applying for one of two main disability programs offered by the Social Security Administration: Social Security Disability Insurance or Supplemental Security Income .
SSDI is for disabled workers and who have paid Social Security taxes from their paychecks. You will asked for a job history when you apply, which will show that you have worked for long enough to qualify for SSDI. This makes SSDI more suited for working adults. http://www.disability-benefits-help.org/ssdi/qualify-for-ssdi
SSI is another benefit program similar to SSDI, but is intended specifically for elderly and disabled individuals. Instead of a job history, you will be asked to demonstrate that you meet the SSAs strict financial limits. This makes children good candidates for SSI, since they will not have had much experience working. In the case of applications for children, the Social Security Administration will ask a parent to submit part of their finances for evaluation as well.
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Report The Death Of A Social Security Or Medicare Beneficiary
You must report the death of a family member receiving Social Security or Medicare benefits. The Social Security Administration processes death reports for both. Find out how you can report a death and how to cancel benefit payments. In addition to canceling SSA and Medicare benefits, find out what other benefits and accounts you should cancel.
Adults Disabled Before Age 22
An adult who has a disability that began before age 22 may be eligible for benefits if a parent is deceased or starts receiving retirement or disability benefits. We consider this a “child’s” benefit because it is paid on a parent’s Social Security earnings record.
The disabled “adult child” including an adopted child, or, in some cases, a stepchild, grandchild, or step grandchild must be unmarried, age 18 or older, have a disability that started before age 22, and meet the definition of disability for adults.
It is not necessary that the disabled “adult child” ever worked. Benefits are paid based on the parent’s earnings record.
- A disabled “adult child” must not have substantial earnings. The amount of earnings we consider “substantial” increases each year. In 2021, this means working and earning more than $1,310 a month.
If Your Spouse Also Worked Under Social Security
If your spouse is eligible for retirement benefits on their own record, we will always pay that amount first. But, if the spouses benefit that is payable on your record is a higher amount, they will get a combination of the two benefits that equals the higher amount.
What Is The Difference Between Ssi And Ssdi
SSI eligibility is determined based on age, disability and available resources, while SSDI is based on a persons disability and work credits.
For most people, medical requirements that will allow you to receive disability payments are the same for both, and disability is determined using the same process. Both SSI and SSDI are managed by the Social Security Administration as well.
Location and monthly income
Record of earnings
The most notable difference between SSI and SSDI is that SSDI is only available to people who have accumulated enough work credits, while SSI is available to low-income individuals who have not accumulated enough work credits or who have never worked. In addition, SSDI is based on your work history, but SSI is strictly based on a financial situation of considerable need.
Additionally, SSI benefits begin on the first of the month that a social security disability application is submitted and approved, but for SSDI there is a five-month waiting period. People who qualify for SSI can also receive Medicaid benefits. After receiving SSDI benefits for two years, a disabled person will be eligible for Medicare benefits. The amount of SSI benefits depend on where a person lives and what their monthly income is, while SSDI benefit amounts are dependent on a persons earnings record.
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The Basics About Disability Benefits
The SSDI program pays benefits to you and certain if you are insured. This means that you worked long enough and recently enough – and paid Social Security taxes on your earnings. The program pays benefits to adults and children with disabilities who have limited income and resources.
While these two programs are different, the medical requirements are the same. If you meet the non-medical requirements, monthly benefits are paid if you have a medical condition expected to last at least one year or result in death.
Is It Better To Retire Early Or Go On Disability
If you are approaching early retirement age and also have become disabled, you may be unsure whether you should take an early retirement or apply for disability until you reach full retirement age.
On the one hand, if you already know you have enough work credits to retire, the processing of starting your retirement benefits will be a lot easier than going through the laborious process of applying for disability.
On the other hand, you may not want to sacrifice the extra monthly benefits you could get if you waited until full retirement or age 70 to begin collecting benefits. If youre not too concerned about your financial stability, opting for early retirement might not seem like a big deal, especially if you have a pension through your employer or other types of retirement accounts like an IRA or 401K.
However, if youre like many Americans, you may need all the help you can get from the Social Security Administration. In this case, its most likely better to get approved for disability benefits rather than take an early retirement and lose out on your hard-earned benefits. While it can be true that getting approved for SSDI can take time, effort, and patience, disability benefits can offer you a kind of flexibility that retirement cantespecially if theres a chance of your disability improving.
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How To Get A Social Security Card
How Can I Find Out More About Ssdi
- Visit www.ssa.gov online choose disability
- Visit ssabest.benefits.gov to learn about Social Security benefits you might be eligible for including SSDI
- Go to your nearest Social Security office
You can find out how much you would get from SSDI by looking at your Social Security statement. The statement shows your work history and an estimate of what your benefits would be at this time. To get a Social Security statement:
- Request a statement online through Social Securitys website at www.ssa.gov. Click on My Social Security on the left side of the page.
Note that SSDI is different from SSI . SSI is for people with disabilities or who are at least 65 years old and who have limited income and resources. See our information on Supplemental Security Income .
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Ssdi And Ssa Appeals Procedure
At least 60 percent of applicants are denied disability benefits on the first attempt. If SSA denies your application, you may appeal the decision by requesting an administrative hearing. This hearing occurs in the presence of an administrative law judge . He or she re-evaluates your medical or psychological condition.
You may request witnesses at the appeal hearing. Your physician, psychologist, social worker, nurse practitioner, radiologist, or other individuals you choose can testify at this time. Its also possible to engage a Social Security attorney for the hearing.
How Does Social Security Disability Affect Retirement Benefits
Whether retirement is only a few years away or youre a younger disabled worker planning for the future, understanding the impacts of receiving Social Security Disability Insurance is important. Find out what you need to know about disability and retirement, plus tips for managing your benefits, from the Social Security disability lawyers at SSDA USA.
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Please Answer A Few Questions To Help Us Determine Your Eligibility
When you are receiving Social Security disability benefits from theSocial Security Administration , there are certain financial andlegal changes you must report immediately to the SSA. Most of thechanges listed in this article involve your income, but know that ifyour medical condition improves, you have to report this change as well.You can notify the SSA by phone, mail or in person of these changes.
If Your Application Is Denied
After we review your application and the information you provided, we may decide you do not meet the qualifications for disability benefits.
If you disagree with our decision, you have the right to ask us to look at your application again. The notice you receive from us that says you don’t qualify will explain how to appeal our decision and the time period in which you must make the request.
If we decide you don’t qualify:
Because you are not disabled under our rules, you can appeal our decision online.
The online disability report will ask you for updated information about your medical condition and any treatment, tests, or doctor visits since we made our decision.
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If Your Resources Or Assets Change
In order to receive SSI, you can only have up to $2,000 inresources if you are single, and up to $3,000 in resources if you aremarried. You must tell the SSA about assets thatyou receive and any new financial account that has your name on it,even if you never use the money or account. Depending on what theaccount is used for, the SSA may be able to help you set up the accountso it will not affect your SSI.
Let Us Help You With Your Social Security Disability Claim
Even if you clearly qualify for SSDI benefits, you shouldn’t be surprised if your application for benefits is denied. Unfortunately, the SSA denies many legitimate claims. If you need help filling out your initial application for benefits or fighting for the benefits you deserve, our Roswell Social Security disability lawyers are here to help. Call our office today to schedule a free, no-obligation consultation.
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Were There To Provide Comfort During Difficult Times
The loss of a loved one can be both emotionally and financially difficult. Some widows, widowers, and children may receive to help them cope with the financial loss. The number of credits needed to provide benefits for survivors depends on the workers age when he or she dies.
Unmarried children who are under age 18 can be eligible to receive Social Security benefits when a parent dies.
Do I Need A Lawyer To Represent Me
You do not need a lawyer to represent you in your appeals, but its better if you can have a lawyer. There are many complicated issues and regulations to be dealt with. Statistics show that there is a better rate of success if you have someone assisting you. Unlike many attorneys, disability lawyers do not charge up-front fees or require a retainer to work on a Social Security disability case. Most disability attorneys and advocates will be paid a fee only if they win the case
Your representative does not have to be a lawyer. Paralegals and other non-lawyers are allowed to represent you in an appeal, but be careful who you have as a representative. Make sure they are qualified and experienced.
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Were There When You Get Your First Job
Every time you change jobs, your employer verifies your Social Security number with us. Doing so helps reduce fraud and improves the accuracy of your earnings records, ensuring you get the benefits you have earned.
Employers collect FICA, or Federal Insurance Contributions Act withholdings, and report earnings electronically to us. This is how we track your earnings and is how you earn Social Security retirement, disability, spouses, and survivors coverage for you and your family. A worker earns up to four Social Security credits each year and needs 40 credits, or 10 years of work, to qualify for retirement benefits. Its vital that you work at least 10 years to qualify for Social Security benefits to be based on your own work record.
Opening a free allows you to verify your earnings history and see if you will get Social Security retirement benefits. A secure also lets you estimate future benefits.
Benefits For Your Spouse
Benefits are payable to your spouse:
- Age 62 or older, unless your spouse collects a higher Social Security benefit based on their earnings record. The benefit amount for your spouse is permanently reduced by a percentage, based on the number of months up to their full retirement age.
At any age if they are caring for your child under age 16 or who was disabled before age 22, and is entitled to benefits.
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We Are With Those Who Need A Helping Hand
The Supplemental Security Income program is a program that provides income support to people with disabilities, people age 65 or older, or blind, who have low income and resources. U.S. Treasury general funds, not the Social Security trust funds, pay for SSI.
If you or someone you know may be eligible for SSI, visit to learn more and apply.
Social Security Disability Insurance For People With Cancer
Social Security Disability Insurance is a federal disability insurance benefit earned by people who have worked and paid into Social Security. Its only available to people who have disabilities that keep them from working. If you have cancer, you may be able to have your SSDI application processed more quickly
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Disability Application Starter Kit
To assist you in creating your application, Social Security has developed a Disability Starter Kit that provides information about the documents and information that you will be requested to provide. Because an application can be complicated and lengthy, this is a good place to start and to keep you organized. The kit also explains how Social Securitys disability programs work and what decision-making processes are used to determine your eligibility.
Hiring A Social Security Legal Specialist
Because Social Security is understaffed and many people request disability income, its likely that your application will be rejected or delayed on the first try. Hiring a lawyer may be a good idea if you cant manage the process alone.
However, if youre organized and detail-oriented, you can prepare an SSDI application by yourself. If you dont have medical records on hand, go to your doctors office or hospital and wait for the records. It is possible to retrieve these materials in a day if youre determined to do so.
Ask doctors, nurses, and other medical team members for copies of medical records and notes after each appointment. Let Social Security know about the results of each appointment by sharing the medical treater records.
If your health declines during the SSDI application process, let SSA know by sharing records and original notes from your providers. For instance, its not enough to say that your vision or hearing is becoming worse. Present your doctors records and notes that define the vision or hearing loss. If possible, ask your state commission for the blind or deaf to certify results.
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