Friday, May 20, 2022

How Does Social Security Disability Work

Don't Miss

The Importance Of Reporting Changes

How do Lump Sum Payments Work in Social Security Disability?

It is important to report to the SSA any changes in any of your other disability benefits. If payments from these other programs stop, you may be able to increase your SSD payments.

However, it is not only critical to report a loss of funds from other disability programs. You should also report any increase in payments as well.

For example, if you were receiving $2,000 a month for workers comp while receiving SSD benefits and your workers comp payments increased to $2,500 per month, you are required to report the increase to the SSA. Failing to report an increase could affect your eligibility for SSD benefits.

Dont Miss: Calculate Army Reserve Retirement Pay

Can I Collect Social Security Disability Long

Yes. We suggest you want to maximize all potential sources of income when you are disabled. We can help you coordinate all these claims so you and your family get all the money you deserve. Generally, you are limited to receiving no more than 80 percent of your prior gross income when combining both workers compensation and Social Security Disability benefits.

Isnt It Unfair That My Benefit Gets Reduced When I Paid For This Disability Insurance

Many people feel treated unfairly when workers compensation benefits reduce what they receive from long term. I do not blame them. They paid for this insurance to pay them money if they became unable to work. Then, the long term disability insurance reduces their benefits because they happened to get hurt at work.

Unfortunately, you may not be able to do much about it. The insurance policy is the deal you have made with the insurance company. If that deal provided that the insurance company could take credit for what workers compensation paid you, then they probably will be able to do so.

You May Like: How To Change Social Security Name Marriage

Supplemental Security Income Work Incentives


One of our highest priorities is to help people with disabilities achieve independence by helping them take advantage of employment opportunities. Work incentive employment supports help disabled and blind SSI recipients go to work by minimizing the risk of losing their SSI or Medicaid benefits.

Some incentives allow us to not count some of your income or resources.

Other incentives let you continue to receive Medicaid coverage even though you are not receiving SSI cash benefits.

You may be entitled to take advantage of more than one work incentive program. Depending on the types of income you receive, it will change the amount we do not count and the SSI benefit amount.

Visit our websites at and for more information about work incentives.


We do not count the first $65 of earned income plus onehalf of the amount over $65. Therefore, we reduce your SSI benefit only $1 for every $2 you earn over $65.


If you are a student under age 22, as explained on trusts, we may exclude up to $1,930 of gross earnings in a month in figuring your countable income.

For more information, see the SSI Spotlight on Student Earned Income Exclusion.


We will exclude IRWE from your earned income when we figure your SSI monthly payment amount. This means your SSI benefit could go up.


Do My Social Security Disability Work Credits Expire

How Does Social Security Disability Back Pay Work?

Additionally, in order to be eligible for Social Security disability benefits, you must meet a recent work test. After you stop working, you do not have an indefinite time to file for disability benefits. Like other insurance program, your coverage ends after a certain amount of time from when you stop working. How Can I Check My Social Security Disability Credits?

Don’t Miss: What To Do When Someone Steals Your Social Security Number

What Happens If The Deceased Received Monthly Benefits

If the deceased was receiving Social Security benefits, you must return the benefit received for the month of death and any later months.

For example, if the person died in July, you must return the benefits paid in August. How you return the benefits depends on how the deceased received benefits:

  • For funds received by direct deposit, contact the bank or other financial institution. Request that any funds received for the month of death or later be returned to Social Security.
  • Benefits received by check must be returned to Social Security as soon as possible. Do not cash any checks received for the month in which the person dies or later.

Also Check: Is Workmans Comp The Same As Disability

Disability Help Group: Winning Case Study

George stopped working in 2013 because he had a car accident. Unfortunately, he was unable to go back to work. He suffered from chronic back pain. George didnt know he could file for Social Security disability benefits when he stopped working. He contacted Disability Help Group for assistance in 2019. At that time, his date last insured had expired in December 2018. George had to go to a disability hearing. We were able to help George provide all of his medical records to the judge since his accident. Therefore, George was able to show that his medical conditions kept him from working before his DLI. He was approved for benefits.

Also Check: How To See Social Security Number

How Do I Apply For Social Security Disability Benefits

  • In order to speed up your application, Turley Redmond & Rosasco, L.L.P. has been granted permission from the Social Security Administration to complete and file your application online through the official Social Security Administration website.
  • The application process is long and complex. Inaccurate or incomplete information you provide in your initial application may be used against you to deny your claim.
  • Thats why, it is important to give Social Security full and accurate information right from the start, so you can be approved as soon as possible. Our attorneys at Turley Redmond & Rosasco, L.L.P. will guide you through the process and help you properly complete your initial online application, which will tip the scales in your favor.
  • Of course, you can fill out the online application yourself or do it by phone by calling Social Security at 1-800-772-1213. If you are eventually denied, you can retain Turley Redmond & Rosasco, L.L.P. to handle your appeal. Do not hesitate to reach out to one of your experienced attorneys at . We will help you to overcome the initial setback and get the financial rewards you deserve.

Can I Get Benefits If My Deceased Spouse Was On Disability

Do I Return to Work After Applying for Social Security Disability?

You cannot receive disability benefits based on anyones disability except your own. You can, however, receive survivors benefits under certain circumstances. Its also worth noting that in some cases, your deceased spouses earnings and contributions to FICA can be considered in determining the amount of disability benefits you are entitled to if you are also disabled.

Generally speaking, if you are of retirement age , you can receive Social Security retirement benefits based on your spouses record with the SSA. In some cases, you may be able to receive disability benefits based upon his earnings if youre also disabled.

In order to qualify, you must either be disabled at the time of your spouses death or become disabled within seven years of his/her death. In most cases, you will qualify for survivors benefits as long as you were married for at least nine months. You may also qualify if you are the parent of the deceaseds minor children . Here are some additional exceptions to the nine month rule:

If your spouse qualified for and received SSDI, then he had earnings which also counted towards Social Security retirement and survivors benefits. Both you and any minor children in the home will likely qualify.

The laws regarding survivor benefits can be tricky. If you are not sure whether you qualify for benefits based on your deceased spouses FICA contributions, contact the SSA.

Also Check: How To Calculate My Social Security Check

What Is A Social Security Card

Your Social Security card is an important piece of identification. Youll need one to get a job, collect Social Security, or receive other government benefits.

When you apply for a Social Security number , the Social Security Administration will assign you a nine-digit number. This is the same number that is printed on the Social Security card that SSA will issue you. If you change your name, you will need to get a corrected card.

How Common Is It To Receive Both Social Security Disability And Workers Comp Benefits

Unfortunately many work injuries cause lifelong physical disability and even mental health problems, such as depression, anxiety, and PTSD. And when they do, the injured worker may qualify for SSDI.

According to the Social Security Administrations 2017 Annual Statistical Report on the Social Security Disability Insurance Program, approximately 467,000 disabled workers on the Social Security Disability Insurance program had filed for workers compensation or public disability benefits. This did not include the number of workers who suffered injuries on the job that did not qualify for workers comp. Or those injured workers receiving private insurance benefits.

The SSA reported that among disabled workers receiving both SSDI and workers comp benefits, a disease of the musculoskeletal system and connective tissue was the primary diagnosis. This category includes problems resulting from herniated discs, back injuries, neck injuries, shoulder injuries, knee injuries, spinal cord injuries, hip injuries, ankle injuries, and arthritis and degenerative disc disease.

Mental health disorders were the second leading cause of disability.

Donât Miss: How To Change Va Disability Direct Deposit

You May Like: How To Fill Out Social Security Form Ssa 3373 Bk

Special Rules For Disabled Widow

If you are a disabled widow, the date you begin to receive benefits depends on whichever of the following happens last:

  • 12 months before the date you applied
  • five months after the âdate of onsetâ of your disability
  • the month your spouse died, or
  • the month you turn 50.
  • Trade
  • Self-help services may not be permitted in all states. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. Do Not Sell My Personal Information

    Whats The Difference Between Ssdi And Long

    How Does Social Security Disability Insurance Work ...

    Social Security Disability Insurance benefits are paid by the federal government from a dedicated fund financed through workers and employers tax contributions, called the Social Security Trust Fund. Long-term disability insurance policies are private contracts between you or your employer and a large insurance company. They are funded by the LTD insurance company from its reserves built from insurance premiums and other investments.

    Also Check: Where Do I Replace My Social Security Card

    Working With A Representative To Apply For Ssdi Benefits

    The SSA notes that those who are applying for disability benefits have the right to work with a representative when filing their claim or going through the appeals process. Many claimants work with a representative because they may need help determining how Social Security disability works, and because there are many steps involved in proving their disability or appealing their applications denial.

    According to the SSA, your representative has the authority to:

    • Access your Social Security file for relevant information.
    • Assist you in obtaining relevant medical files that could be necessary for you to qualify for an SSDI claim.
    • Request an appeal to any denied claim you have received and lead the appeals process.
    • Accompany you throughout any interviews or other processes related to your SSDI claim.

    Every question you answer in your application could have an impact on your ability to qualify for the benefits that you need. Unfortunately, thousands of qualifying individuals are denied benefits based on the answers they provided in their initial application. The appeals process is lengthy, and it can take months before you are approved for SSDI benefits.

    A lawyer may be able to assist you with every form, interview, or other step required for you to apply for SSDI.

    Benefits For Disabled Widows Or Widowers

    If something happens to a worker, benefits may be payable to their widow, widower, or surviving divorced spouse with a disability if the following conditions are met:

    • The widow, widower, or surviving divorced spouse is between ages 50 and 60.
    • The widow, widower, or surviving divorced spouse has a medical condition that meets the definition of disability for adults and the disability started before or within seven years of the worker’s death.

    Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. However, if they want to apply for these benefits, they should contact Social Security immediately at 1-800-772-1213 to request an appointment

    To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.

    We use the same definition of disability for widows and widowers as we do for workers.

    Don’t Miss: How To Get Appointment With Social Security Office

    What Is Workers Compensation

    Workersâ compensation is a type of insurance that is offered through your employer. If you are injured or get sick at work, workersâ compensation will:

    • Cover your medical expenses related to the illness or injury.
    • Replace a portion of the wages you miss as a result of the incident.

    Workersâ comp may also cover retraining costs , compensation for permanent injuries and payment to beneficiaries of workers who are killed on the job.

    Workersâ compensation only covers work-related injuries or illnesses. Injuries or illness that occur outside of working hours, or when you are on personal time, are not covered.

    RELATED CONTENT: What Is Disability Insurance? Our disability insurance guide can help you learn more about disability insurance and how it can benefit your financial plan.

    If you are ever offered a workersâ compensation benefit, it may be a good idea to speak with an attorney before you accept it.

    Strategy For Deciding When To Take Early Retirement

    How Does Social Security Disability Back Pay Work?

    While some people who quit work at age 62 purposefully apply for disability and elect early retirement at the same time, so that the early retirement payments fill the gap until the disability payments start, remember that there is no guarantee youâll be granted disability benefits, and you could be stuck collecting less than your full retirement rate for the rest of your life. Still, this can work for those people who are severely impaired and are sure that they will get disability benefits. Getting disability benefits for those over 60 is easier than for younger folks, and Social Security gives special consideration to those over 65.

    If you are considering this course of action, talk to a , who can help you assess your financial options and your chances of winning disability benefits.

    Recommended Reading: How Much Have I Put In Social Security

    If Youre Not Sure Why You Received A Payment

    Contact the authorizing agency directly to find out why they sent the payment. You may be able to find the authorizing agency in the memo line of the check. View this diagram of a sample Treasury check to help you locate the authorizing agency contact information on your own check. Scroll about half way down the page to see the diagram.

    If youâre unable to find which agency authorized the payment, . They can help you determine which government agency you need to contact. To find which RFC you need to call, look for its city and state at the top center of the check.

    Use the Treasury Check Verification System to verify that the check is legitmate and issued by the government.

    How Does Social Security Disability Back Pay Work

    A sad fact of filing for disability benefits is that it can take a significant length of time to get approved for benefits. The Social Security Administration understands the disability application process takes time. That is why they compensate approved applicants with back pay.

    Don’t Miss: Where Do I Go To Renew My Social Security Card

    Is There Anything I Can Do To Make Dealing With The Social Security Administration Easier

    You shouldnt expect as many problems dealing with the Social Security Administration while receiving benefits as you had trying to get benefits in the first place. Sometimes, though, some people have problems. Here are some things you can do to try to minimize the hassle:

    • Keep all decisions, letters, and notices you receive from SSA in a safe place.
    • Read everything you get from the Social Security Administration. The booklets that come with award letters and notices are well written and informative.
    • When reading the booklets you receive from the Social Security Administration, pay special attention to the kind of information you are required to report to the Social Security Administration. Report promptly and in writing and keep a copy with your Social Security papers.
    • Dont necessarily believe everything they tell you at the Social Security Administration 800 number. If you have an important issue to take up with the Social Security Administration, sometimes it is better to go to your local Social Security Office.

    Is It True That Social Security Is Going Broke

    How Does Social Security Disability Work?

    Not exactly.

    Whats really going on is that Social Security is at a tipping point. Midway through 2021, the program began taking in less money than it pays out, thanks mostly to longer life expectancies and people having fewer children which means fewer workers paying into the system. The economic shock of the coronavirus pandemic accelerated that pace by about a year.

    While Social Security has a $2.9 trillion trust fund it can dip into, the funds are expected to be depleted by 2034. But that doesnt mean the program is doomed. Social Security is funded on a pay-as-you-go basis.

    Even as it starts depleting its trust fund, it will still be collecting payroll taxes from workers and employers. If the trust were to run dry in 2034, payroll taxes would still generate enough to pay for about 79% of the programs obligations if Congress does nothing.

    But there are plenty of actions Congress could take to avoid Social Security cuts. For example, it could increase the tax rate, eliminate the wage cap or raise the full retirement age, as it did in 1983.

    Its pretty unlikely that Congress wont take action. A 2019 Pew Research Center poll found that 74% of Americans oppose cutting benefits. Lawmakers on both sides of the aisle are keenly aware of the programs popularity among voters.

    You May Like: When Should One Apply For Social Security

    More articles

    Popular Articles