Thursday, May 19, 2022

How Does Social Security Determine Your Disability Benefits

Don't Miss

The Other Parts Of Medicare

How does the type of work you are doing affect your disability case?
  • Medicare Advantage Plan people with Medicare Parts A and Part B can choose to receive all of their health care services through plans that are offered by private companies and approved by Medicare. For more information, we recommend you read Medicare’s How do Medicare Advantage Plans work?
  • Medicare Part D helps pay for medications doctors prescribe for treatment. For more information on the enrollment periods for Part D, we recommend you read Medicare’s How to get prescription drug coverage page.

If you receive Medicare and have limited resources and income, you may be eligible for Extra Help with Medicare Prescription Drug Plan Costs.

How To Get A Social Security Card

  • Gather your documents. Learn what documents you’ll need to get a card. Select your situation:
  • Adult or child
  • Original, replacement, or corrected card
  • U.S. born citizen, foreign born U.S. citizen, or noncitizen
  • Apply online for a replacement card. Apply online if youre not changing anything on your card and you are eligible. This option is available in most states. You will need to make a my Social Security account first. Or complete an application. If you can not apply online, fill out an application and return it to the SSA. Find out where to take it in person or mail it.
  • Get Ssa Benefits While Living Overseas

    U.S. citizens can travel to or live in most, but not all, foreign countries and still receive their Social Security benefits. You can find out if you can receive benefits overseas by using the Social Security Administrations payment verification tool. Once you access the tool, pick the country you’re visiting or living in from the drop-down menu options.

    Also Check: How Many Years Of Income Is Social Security Based On

    Types Of Widow Or Widower Ssd Benefits

    The level of widow or widower SSD benefits you may collect is often based on your age group. The following are the SSD age group categories:

    • Full retirement age This group receives full benefits, or 100 percent of the deceased spouses SSD benefits.
    • At least 60 years of age, but not yet full retirement age This group receives reduced benefits, usually between 71.5 and 99 percent of the deceased spouses SSD benefits.
    • At least 50 years of age and disabled This group receives 71.5 percent of the deceased spouses SSD benefits.
    • At any age when not remarried and caring for a child receiving SSD survivor benefits on the deceased spouses record This group will receive 75 percent of the deceased spouses SSD benefits.

    With regard to the final group, be aware that benefits to a widow or widower caring for a child under 16 years of age, receiving SSD benefits on the deceased spouses record, end when the child turns 16 years old. A widow or widower can continue to receive SSDI benefits, however, when the child is disabled and continues to be in the care of the widow or widower while receiving SSDI benefits on the deceased parents earnings record. A widow or widower is generally required to have been married to the deceased spouse for at least nine months.

    Furthermore, widow or widower benefits can be reduced when a widow or widower is working.

    How Much Will You Receive From Social Security Disability

    Why You Were Denied Social Security Disability Benefits ...

    Each and every year, millions of Americans suffer from a disabling condition. It is not uncommon for a disability to interfere with an individual’s ability to work and earn an income. As a result, these disabled individuals must rely on Social Security Disability benefits to make ends meet. Many of the people who apply for Social Security Disability benefits find themselves uncertain as to how much money they will receive each month from the Social Security Administration.

    If you are approved for Social Security Disability benefits, how much will you be paid each month when your benefit check arrives? Unfortunately, the answer to this question isn’t always cut and dry. There are, however, ways that you can estimate what you might expect from the Social Security Administration. If you are wondering how much money you are eligible to receive through Social Security Disability benefits, the following information can help you understand the ways of determining your monthly disability benefit amount may be.

    Recommended Reading: What Is Your Social Security Benefit Based On

    Social Security Disability Benefits Pay Chart For Dependents

    Whether you are in the process of applying for Social Security disability benefits or already are receiving them, you want to know how much you and your dependents can anticipate receiving each month in 2021 and 2022. Whatever you currently receive through the Supplemental Security Income or Social Security Disability Insurance programs will change as of the first of the year.

    Disability benefits through Social Security are subject to change each year depending on how the economy happens to be doing. Annual cost-of-living adjustments apply to retirement benefits as well as SSD benefits payable through the SSA.

    Because of the rate of inflation, the SSA announced that Social Security benefits will experience an increase of 5.9% effective for the 2022 benefit year starting in January. To help you understand how the COLA increase affects your monthly SSD benefits, the Social Security disability lawyers at the Clauson Law Firm put together the most currently available information and an SSD benefits pay chart. Use them to determine how your monthly benefit changes in 2022, but do not hesitate to contact the Clauson Law Firm for answers to any questions you may have or for help with applications and with appeals of adverse determinations.

    Your Average Indexed Monthly Earnings

    The SSA calculates your AIME by factoring in up to 35 years of your earnings. If you were to reach full retirement age before applying for Social Security benefits, the SSA would take an average of your annual income for your 35 highest earning years to find your AIME.

    When you become disabled before retirement age, the SSA realizes that you probably do not have 35 years of work history on your record, so it goes an extra step to determine how many years to use in the AIME calculation. The SSA does this by counting the number of years between the time you turned 21 and the year you became disabled, and then subtracting one-fifth of that total number of years or five years, whichever is less.

    Example of Determining the Number of Years to Include in Your AIME:

    • You become disabled at age 40.
    • 40 years 21 years = 19 years
    • Subtract the lesser of either one-fifth of those 19 years , rounded down , or five years.
    • So, 19 3 = 16 of your highest earning years that the SSA will use to determine your AIME.

    You May Like: How Old Social Security Benefits

    Medicare Coverage If You’re Disabled

    We automatically enroll you in Original Medicare after you get disability benefits for two years. However, if your disability results from ALS, Medicare coverage begins sooner, generally the first month you are eligible for disability benefits.

    • Medicare Part A helps pay for inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. The taxes you paid while you were working financed this coverage. Its provided at no cost to you.
    • Medicare Part B helps pay doctors’ services, outpatient care, some medical supplies, and other preventive services. You will need to pay a monthly premium for this coverage if you want it.

    Most people have both parts of Medicare. If you have questions about this coverage, you can contact Medicare toll-free at 1-800-MEDICARE to speak to a Medicare Customer Service Representative. TTY users should call 1-877-486-2048.

    Reduction For Disability Payments From Other Sources

    How Alcohol and Drug Use Affect Disability Benefits | The Good Law Group

    If you receive disability benefits from a private source, like a private pension or private insurance benefits, these benefits will not affect your SSDI benefits. If, however, you receive other public disability benefits, they may affect your SSDI benefits. For instance, if you were injured on the job and are receiving workers’ compensation benefits, the amount of SSDI benefits you receive might be reduced.

    Other disability benefits that are not job-related and are paid for by the federal, state, or local government may also reduce your SSDI benefit amount. Examples of these include temporary disability benefits paid by the state, military disability benefits, and state or local government retirement benefits that are based on disability. Some public benefits are not counted toward the 80%, including SSI or VA benefits.

    The combined total amounts you receive from SSDI and all other public disability benefits cannot be more than 80% of the average amount you earned before you became disabled. If the amount is more than 80% of what your average earnings were before you became disabled, in most states, the excess amount is deducted from your SSDI benefits.

    The interaction between workers’ compensation and SSDI can be complicated and varies depending on what state you live in. If you qualify for more than one public disability benefit, you may want to speak with an attorney to make sure you do not miss out on any benefits you are entitled to.

    Don’t Miss: What Age Can You Claim Social Security

    If You Need Help With An Application For Social Security Disability Benefits

    SSDI and SSI benefits provide a vital financial lifeline for individuals who are unable to work due to physical or mental disabilities. If you are applying for Social Security disability benefits, you need to speak with an experienced Social Security disability attorney as soon as possible to ensure that your application thoroughly documents your condition and your legal right to benefits. Please contact us online, or call our Virginia Beach office to schedule your free consultation. We have offices throughout Virginia, including Chesapeake, Newport News, Norfolk, and Suffolk.

    Related links:

    How Are Supplemental Security Income Benefits Calculated

    SSI benefits are much simpler to calculate than SSDI. The SSA starts with what is called the Federal Benefit Rate or FBR. The FBR changes periodically to account for inflation and the cost of living. In 2017, the FBR is $735. This is maximum amount of SSI you can collect each month.

    Then, the SSA simply deducts your countable unearned income and your countable earned income from the $735 to determine your monthly SSI benefit amount.

    The SSA counts various types of income against your benefit amount, including:

    • Wages and other money you earn from working
    • Certain types of payments you receive, such as alimony, child support, or veterans benefits
    • In-kind income, which is money family or friends pay towards your housing, food, and other essentials
    • A portion of the income earned by others people in your home, such as your spouse

    Not all income counts, though. The SSA ignores various types and sources of income including:

    • Your $20 each month of most income
    • Your first $65 of earned income and one-half of earned income thereafter
    • Food stamp benefits

    Read Also: Social Securiry

    How Is Social Security Disability Calculated

    by Jason BarilMay 8, 2017

    How Is Social Security Disability Calculated?

    The Social Security Administration maintains two distinct disability benefit programs, Social Security Disability Insurance and Supplemental Security Income , and calculates each benefit differently. In this article, we review the basic formulas the SSA uses when determining benefit amounts for disabled applicants and provide examples to demonstrate how Social Security disability is calculated.

    For specific information about your benefits or for help applying for disability, call the Disability Advantage Group at for a free consultation.

    How Are Disability Insurance And Supplemental Security Benefits Funded

    Social Security Disability Benefits: How Long Do They Last ...

    Disability Insurance is funded by payroll tax contributions from workers and their employers. Workers currently pay a tax of 0.9 percent of their wages up to $113,700, and their employers pay an equal amount. These tax contributions go into the Disability Insurance trust fund. Funding for Supplemental Security comes from the federal income tax and other federal revenues.

    The Social Security Administration administers both of these programs. State agencies, usually called disability determination services, make the initial determination of whether applicants meet the disability standard. These state agencies are federally funded and follow federal guidelines.

    You May Like: When Can I Draw Social Security Benefits

    Can You Do Other Work

    The final qualification for receiving Social Security Disability Insurance is to document your ability to do other types of work. If you are unable to do the work you used to do, the Administration wants to learn if you can do any other type of work, such as with changes made to the way you work.

    In this area, the Administration looks at a variety of factors to determine if you may qualify including:

    • Your medical condition
    • The type of past work experience you have
    • Any type of transferable skills that could follow you to a new position.

    If you are able to do other types of work, taking these things into consideration, you are not disabled.

    How Is My Monthly Benefit Amount Determined Under Ssdi

    The amount you receive under Social Security Disability Insurance is based on the amount you paid into the system.

    Do you have enough work credits to be eligible for SSDI benefits?

    notare not used in your disability benefit formula they do not count!

    The amount of your monthly disability benefit amount is based on how much you paid into the SSDI program.

    There are 3 ways you can find out your monthly benefit amount:

    Social Securitys complex disability benefit amount formula.

    The Primary Insurance Amount

    How much disability back pay would I receive?

    What is my family maximum SSDI benefit?

    Sign Our Contract Online Now

    Hire America’s Disability Experts® to get you approved for disability benefits. Sign our contract now online. Takes 30 seconds. Let’s go!

    Don’t Miss: Expected Social Security

    How Will Passive Income Affect My Benefits

    Due to the fact that passive income is defined by the SSA as money that is not related to an applicants primary work, most types of passive income will not be factored in when the SSA determines eligibility. Nor will they be taken into account when determining your monthly SSDI benefit. Its recommendable to discuss with your social security lawyer, and err on the side of caution rather than take a hands-off approach. For example, if youve invested in a rental property, it would be prudent to hire management and maintenance people to take care of the property. This way, the SSA may classify such income as passive because you are not putting as much effort into it as you would put into your main job.

    The SSA defined three primary earning activities that would be considered passive in regards to disability insurance benefits. The first includes profits from ownership of property such as real estate investments or income from rental units. The second includes business activities that earn you money, however, you do not actively participate in these activities. The third includes royalty payments that are made to you via any intellectual property deals that you have formed in the past. If there is any confusion in regards to whether your income is passive or not, it would be a good question for your social security lawyer.

    Were There To Provide Comfort During Difficult Times

    How Does my Age Affect my Disability Case?

    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.

    Don’t Miss: Social Security Stops At What Amount

    Other Payments May Affect Your Disability Benefits

    If you receive certain other government benefits, such as workers’ compensation, public disability benefits, or pensions based on work not covered by Social Security , the Social Security benefits payable to you and your family may be reduced.

    For more information about how these benefits can affect your Social Security payments, please refer to the following publications:

    How Do I Apply For Social Security Disability Benefits

    An easy way to apply for Social Security disability benefits is to file your claim online at You may also file a claim over the phone by contacting Social Security at 800-772-1213, but be prepared for long wait times. For more information, please see our article about applying for Social Security disability benefits.

    If you have questions or you’d like help with your application, click for a free case evaluation with a legal professional to determine if your symptoms qualify for benefits. Disability representatives collect a one-time fee only if you win benefits .

    Also Check: Full Social Security Benefit Amount

    How To Receive Federal Benefits

    To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.

    If You Have a Bank or Credit Union Account:

    • Call the Go Direct Helpline at .

    If You Don’t have a Bank or Credit Union Account:

    Make Changes to an Existing Direct Deposit Account:

    Learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.

    Eligible For Benefits In The Last 12 Months

    Does Investment Income Affect Social Security Disability ...

    Theres an exception for those who recently applied for retirement benefits. If you became entitled to retirement benefits less than 12 months ago, you might be allowed to withdraw your retirement application and apply for survivor benefits only. You can then reapply for your retirement benefits later when the benefits will be a higher amount.

    Also Check: Welfare Payment Schedule 2015

    Read Also: How Do Social Security Payments Work

    More articles

    Popular Articles