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.
Information You Need To Apply
Before applying, be ready to provide information about yourself, your medical condition, and your work. We recommend you print and review the . It will help you gather the information you need to complete the application.
Information About You
- Your date and place of birth and Social Security number.
- The name, Social Security number, and date of birth or age of your current spouse and any former spouse. You should also know the dates and places of marriage and dates of divorce or death .
- Names and dates of birth of children not yet 18 years of age.
- Your bank or other and the account number.
Information About Your Medical Condition
- Name, address, and phone number of someone we can contact who knows about your medical conditions and can help with your application.
- Detailed information about your medical illnesses, injuries, or conditions:
- Names, addresses, phone numbers, patient ID numbers, and dates of treatment for all doctors, hospitals, and clinics.
- Names of medicines you are taking and who prescribed them.
- Names and dates of medical tests you have had and who ordered them.
Information About Your Work:
- Award letters, pay stubs, settlement agreements, or other .
We accept photocopies of W-2 forms, self-employment tax returns, or medical documents, but we must see the original of most other documents, such as your birth certificate.
Do not delay applying for benefits because you do not have all the documents. We will help you get them.
I Am Expecting To Collect A Spousal Or Widows Benefit Under Social Security Will I Receive A Reduced Benefit Since I Will Be Receiving A Retirement Allowance From The Mtrs
If you expect to collect a spousal or widows benefit under Social Security, these benefits may be reduced by two-thirds of the amount of your MTRS retirement allowance. You will be exempt from this Government Pension Offset if you meet all the requirements for Social Security spousal benefits in effect in 1977 and
- you had 20 years of creditable service under the MTRS before December 1, 1982 or
- you were age 55 and had at least 10 years of creditable service before December 1, 1982 or
- you were age 55 or had 20 years of creditable service before July 1, 1983 and you received half support from your spouse.
In all cases, the Social Security Administration requires that male retirees of the MTRS must have received at least half support from their wives to apply for spousal benefits.
Further Information About Your Application
Your full retirement ageDepending on your date of birth, that may be between age 66 and 67. This could affect the amount of your benefits and when you want the benefits to start.
When you can start benefitsYou may start receiving benefits as early as age 62 or as late as age
Benefits are reduced for ageYour monthly benefits will be reduced if you start them any time before full retirement age.
Working while you receive benefitsIf you elect to receive benefits before you reach full retirement age, you should understand how continuing to work can affect your benefits.
Delayed retirement creditsDelayed retirement credits may be added if they start after your full retirement age.
Life expectancyIf you live to the average life expectancy for someone your age, you will receive about the same amount in lifetime benefits whether you choose to start receiving benefits at age 62, full retirement age, age 70 or any age in between.
How Do I Apply For A Temporary Social Security Card
Requesting a replacement card online is the fastest way to get your new card however, if you need a temporary Social Security card, then you will need to head down to your local SSA office. While they will not technically issue a temporary card, they will give you a receipt showing that your new card has been requested. This receipt can act as a sort of temporary card in some cases.
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When To Apply For Social Security
As stated above, you are eligible to apply for Social Security retirement benefits when you are 61 and nine months. You can start collecting benefits as soon as you turn 62.
However, just because you can, does not mean that you should.
The longer you delay starting your benefits, the more your monthly income will be. In fact, the difference in lifetime income between starting at age 62 and waiting until your maximum retirement age can be more than $100,000 and for many people much much more.
While you can start benefits at age 62, the Social Security Administration considers that early. Depending on your birth year, you do not reach what the SSA calls full retirement age until sometime between ages 66 and 67.
- For every month prior to your full retirement age that you begin taking benefits, around 0.55% is deducted from your payout.
- And, for every year that you defer your benefits, you will receive a larger amount when you finally do begin drawing Social Security. The amount of the bonus is dependent, once more, on your birth date. For example, someone born in 1944 has a full retirement age of 66. If they start benefits at age 69, they will receive eight percent more benefits for each year they delay.
What Type Of Benefits Can I Receive
Understanding the type of public benefits you can receive can be complicated. Boston disability lawyers at Jeffrey Glassman Injury Lawyers are here to help.
- For those who are disabled or very ill and unable to work, there is Social Security Disability Insurance . Spouses and dependents also may qualify for help, as well as survivors in the event of death. These are known as auxiliary benefits.
- For those who struggle financially and are also blind, over the age of 65 or disabled , there may be assistance available through Supplemental Security Income .
- Those who qualify for SSI can also get help from the Massachusetts State Supplement Program .
We know: It sounds like alphabet soup.
Our knowledgeable legal team can help you make sense of it. We carefully analyze details of your situation to determine which benefits you are eligible to receive and to make sure you have all that is needed for the Social Security Administration to reach a favorable outcome.
Benefits for SSDI, SSI and SSP can sometimes be paid in addition to workers compensation benefits, unemployment benefits, veterans assistance and personal injury settlements or verdicts. In situations where someone is eligible to receive multiple benefits, its important to know how these benefits may overlap and affect one another.
As of 2015, the SSA reports:
These benefits are often critical because, according to the SSA, nearly 70 percent of the U.S. work force has no long-term disability insurance.
Can I Receive SSDI?
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Other Ways You Can Apply
Apply With Your Local Office
You can do most of your business with Social Security online. If you cannot use these online services, your local Social Security office can help you apply. Although our offices are closed to the public, employees from those offices are assisting people by telephone. You can find the phone number for your local office by using our Office Locator and looking under Social Security Office Information. The toll-free Office number is your local office.
Apply By Phone
If You Do Not Live in the U.S. Or One of Its Territories
Contact the if you live outside the U.S. or a U.S. territory and wish to apply for retirement benefits.
Mailing Your Documents
If you mail any documents to us, you must include the Social Security number so that we can match them with the correct application. Do not write anything on the original documents. Please write the Social Security number on a separate sheet of paper and include it in the mailing envelope along with the documents.
Framingham Social Security Office 01702
As of March 17, this office will be closed until further notice due to COVID-19. We are still accepting mail and online applications.
On January 19th, 2022, it was announced that all social security office locations would finally be reopened to the public at the beginning of April 2022. We will update this message when new information becomes available.
The Framingham Social Security Office location is in Framingham, Massachusetts 01702. This page provides the contact information for this location including the Social Security office phone number, office hours and driving directions.
If you have questions or issues about your retirement Social Security benefits, or you need to schedule an appointment, then call the Framingham Social Security Office listed below. The Massachusetts SSA handles several federal programs such as retirement, SSI, Medicare and disability benefits.
- Get a copy of your proof of benefits
- Apply for Social Security retirement benefits
- Apply for benefits for Supplemental Security Income or Social Security Disability Insurance
- Apply for Social Security spousal or survivor benefits
- Apply for Medicare or get a replacement Medicare card
- Set up direct deposit for your Social Security benefits
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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 .
Social Security Offset Programs
ORP Participants who are entitled to Social Security retirement benefits will find that the Social Security Administration applies offsets to their benefits for pensions from public employers who do not participate in the SSA, like the Commonwealth. SSA’s rules governing this issue are equally applicable to the ORP as they are to MSERS.
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Calculate The Best Time To Start Social Security
If you are confused about when to start, you can use the Social Security Explorer part of the NewRetirement Retirement Planner to compare your monthly income and maximum lifetime payout at different ages.
Or, you might consider the following rules of thumb:
- Take Early: The only people who should consider taking their Social Security early are those who absolutely need the money immediately, or those who do not expect to live for very long, due to illness
- Take at Full Retirement Age: Should you have reason to believe that you will not live past the age of 80, then generally speaking you will maximize your social security benefits if you take them when you reach your Full Retirement Age.
- Wait as Long as Possible: On the other hand, if you are confident that you will live past the age of 80 or 85, then most experts recommend that you defer your social security for as long as you can , so as to maximize the benefits you receive from it.
- Other: If you have dependent children, the additional benefits you receive for them might make filing when you are younger worthwhile.
It can also be a very good idea to have an overall retirement plan before you decide when to start your Social Security benefits. The NewRetirement Retirement Planner can help you assess all of your sources of retirement income and whether or not you will have enough to cover your expenses. This tool was recently named a best retirement calculator by the American Association of Individual Investors .
Apply Online For Disability Benefits
Social Security offers an online disability application you can complete at your convenience. Apply from the comfort of your home or any location at a time most convenient for you. You do not need to drive to your local Social Security office or wait for an appointment with a Social Security representative.
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 disability benefits in the last 60 days. If your application was recently denied for medical reasons, the Internet Appeal is a starting point to request a review of the medical determination we made.
- Print and review the Adult Disability Checklist.
It will help you gather the information you need to complete the application.
We suggest that you have the following information at hand. It will make completing the application much easier.
Information About You
Information About Your Medical Condition
Information About Your Work
We may ask you to provide documents to show that you are eligible, such as:
We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate.
Mailing Your Documents
After we receive your online application, we will:
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How Does Coronavirus Impact Social Security
Due to COVID-19, many local field offices are closed to the public. In most cases, you can call the office to schedule an appointment if you need to complete a transaction that can only be done in person. Otherwise, you will need to take care of your situation over the phone with the central office or online through the Social Security website.
Next Steps For Apply For Ssdi Or Ssi Benefits
Evidence required by DDS for case documentation
Once you apply for disability benefits with the SSA, the Disability Determination Services , a division of the Massachusetts Rehabilitation Commission, will review your case. DDS will review medical information and vocational information, if necessary, that includes:
- A history of all work performed in the last 15 years
- A description of the physical demands and skill requirements for each job
- Educational history
When all required medical and vocational information is received, the disability examiner and staff physician and/or psychologist carefully evaluate each claim, using a sequential evaluation process.
The following people or agencies can help supply the information that is needed to process a claim for disability benefits.
- Treating physicians and psychologists
- School records
- Consultative examinations authorized by the DDS
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What You Need For Retirement Benefits
Here are the documents you will need when applying for Social Security Benefits:
- Proof of citizenship in the United States or proof of lawful permanent resident status if born outside the U.S.
- You need your original birth certificate, not a copy. If you do not have an original, you can include a copy that is certified by the hospital or agency that issued the original one.
- A copy of your W-2 form for the current/previous year or if you were self-employed, a copy of last years tax return.
- If you served in the military before 1968 a copy of your DD-214 Certificate of Release or Discharge from Active Duty.
You will also need to provide your recent earnings, eligibility for a federal pension, marital history, and whether other family members can claim any benefits on your record.
How Do I Apply For Disability Benefits
If you need to apply for disability benefits, you have a few options. You can apply online, over the phone, or at your local office. The online application is the quickest and easiest way, but the other methods are available should you need them. Should you need to apply over the phone, simply call the Social Security Administration at 1-800-772-1213 .
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Information About Family Members
- Social Security numbers and proof of age for each family member who may qualify for benefits and
- Proof of marriage, if your spouse is applying for benefits, as well as dates of prior marriages, if applicable.
If you don’t have all the documents you need, don’t delay filing for benefits. We will help you get the information you need.
When I Retire I Will Have 40 Credits Under Social Security Will My Social Security Pension Be Reduced Because I Will Receive A Pension From The Mtrs
If you have 40 credits under the Social Security system , then Social Security will use a modified formula to calculate your pension unless:
- you had 20 years of creditable service under the MTRS before January 1, 1986 or
- you were age 55 and had at least 10 years of creditable service before January 1, 1986 or
- you will have at least 30 years of substantial earnings under the Social Security system. For further information on substantial earnings, contact your local Social Security Administration Office or see more information on the Windfall Elimination Provision below.
If you do not meet any of these requirements, you will receive a reduced Social Security pension. In order to determine the amount of the reduction that applies to you, please contact the Social Security Administration at 800-772-1213.
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