Thursday, June 16, 2022

What Is The Criteria For Social Security Disability

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You may also qualify for retroactive pay, which covers the 12 months prior to submitting your application. The SSA limits retroactive pay to 12 months, but your back pay may cover a much longer timeframe. Unfortunately, the SSI program does not provide retroactive pay for that same 12-month period.

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.

Applying For Disability Benefits Can Be A Challenging Process

According to the SSA, many applicants for disability benefits have had their initial application denied for various reasons, including:

  • Technical problems with an application
  • Disqualification based on medical information

Between 2001 and 2010, the SSA approved only about 45 percent of disability claims. This suggests that applying for disability benefits is not a straightforward process for many applicants. SSDI or SSI application errors are possible, if not likely.

You have the right to seek help from a third party to help you with applying for Social Security Disability benefits. Farmer & Morris Law, PLLC, can review your application, saving you time and helping you avoid errors that could delay your claim.

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Extended Period Of Eligibility

Following your trial work period, you will enter a 36-month extended period of eligibility. It is in this period that you can work and still receive benefits only as long as your earnings are less than what Social Security considers substantial. Social Security deducts what they consider work expenses that are a direct result of your disability from your total monthly earnings. These work expenses can range from prescription drug copays, transportation to and from work, and specialized work equipment.

Listed And Unlisted Conditions Must Be Severe

Social Security Disability Requirements

Whether the SSA has or hasnt listed your impairment, you will need more than a diagnosis to qualify for disability benefits. For listed conditions, your diagnosis and medical records must match the SSAs requirements for that specific condition. The medical evidence you present must align with the symptoms, signs, and other criteria for that impairment. If you dont meet all the requirements of a listed condition, you can still present your medical evidence. The SSA can review it and determine if its severity is equal to an impairment it considers severe.

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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:

Social Security Disability Vs Group Or Individual Disability

If the amount of disability benefits you and your family are eligible to receive through Social Security Disability is not enough to cover your essential living expenses it is time to consider group or individual disability benefits.

A group or individual disability benefit plan will protect your income and financial security by helping you pay bills like your mortgage, car payments, and utilities.

About Council for Disability Awareness

Council for Disability Awareness has written 478 posts in this blog.

The Council for Disability Awareness is a nonprofit organization dedicated to educating the American public about the risk and consequences of experiencing an income-interrupting illness or injury. The CDA engages in research, communications, and educational activities that provide information and helpful resources to wage earners, employers, financial advisors, consultants, and others who are concerned about the personal and financial impact a disability can have on wage earners and their families.

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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.

How Credits Are Earned

What is a “Vocational Witness” for Social Security Disability?

Since 1978, when you work and pay Social Security taxes, you earn up to a maximum of four credits per year.

The amount of earnings it takes to earn a credit may change each year. In 2021, you earn one Social Security or Medicare credit for every $1,470 in covered earnings each year. You must earn $5,880 to get the maximum four credits for the year.

During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits.

Read our publication, “How You Earn Credits,” for more information.

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What Medical Conditions Qualify For Social Security Disability

The medical conditions that usually fall under one of the categories eligible for social security disability benefits are:

  • Cardiovascular System Issues
  • Skin Disorders
  • Special Senses and Speech Issues

If your disability does not fall under one of the above categories, you may still be eligible if you qualify under one of the following categories:

  • You are blind or have low vision
  • You are the workers widow or widower
  • You have a disabled child
  • You are considered a part of the Wounded Warriors & Veterans organization

People Who Are Blind Or Have Low Vision

If you are blind or have low vision, Social Security offers several adjustments to disability benefits to accommodate the additional difficulties associated with loss of sight.

These accommodations include being able to work toward Social Security credits after you become blind, delayed benefits that will increase if you continue to work without receiving disability benefits and a higher monthly salary cap.

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How Many People Currently Receive Social Security Disability Benefits And What Is The Value Of The Benefits They Receive

About 8.8 million workers with disabilities currently receive Disability Insurance. The amount of Disability Insurance benefits that a disabled worker receives is based on his or her earnings before becoming disabled. As Table 1 shows, Disability Insurance benefits typically replace less than half of a disabled workers previous earnings.

As of March 2013, the average monthly benefit for a disabled worker was about $1,129, with male workers receiving $1,255 per month and female workers receiving $993 per month on average. About 1.9 million children of disabled workers and 160,000 spouses of disabled workers also receive supplemental benefits from Social Securityroughly $300 a month on average.

For most beneficiaries of Disability Insurance and Supplemental Security, disability benefits make up most or all of their income. For the vast majority of Disability Insurance beneficiariesabout 71 percenthalf or more of their income comes from Disability Insurance. And for nearly half of beneficiaries, 90 percent or more of their income comes from Disability Insurance. Given the modest extent to which benefits replace lost earnings and the limited sources of other income upon which they can depend, people who receive Disability Insurance are rarely able to maintain the same standard of living they had before becoming disabled. Disability Insurance provides a floor, however, that moderates the decline in their living standards.

Social Security Disability Work Incentives

The Social Security Disability Application Process

Special rules make it possible for those receiving SSDI benefits to go back to work while continuing to be paid the monthly benefits. This is for those workers whose disability is not life threatening and have some capacity to work.

Three incentives are offered by SSDI for people attempting to go back to work: trial work period, extended period of eligibility, and expedited reinstatement.

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Social Security Disability Income Limits

For some, its degenerative for others, its a split moment. In either case, the consequences are lasting. And in either case, you find yourself in need of financial aid because a disability makes it impossible to continue working. Individuals struggling to make ends meet with a physical or mental disability can apply for Social Security Disability Insurance . But while the SSDI program doesnt limit you in terms of unearned income or assets, it does have rules regarding wages earned through work. If youre not careful, you can risk losing your eligibility. To avoid that, get to know the Social Security Disability income limits for 2021.

Consider working with a financial advisor as you prepare for retirement.

How Have The Number And Share Of People Receiving Disability Benefits Changed Over Time And What Accounts For These Changes

There has been little change over the past two decades in the share of nonelderly adults receiving Supplemental Security due to a disability. In 2011, 2.4 percent of nonelderly adults received Supplemental Security for a disability, compared to 2.1 percent in 1996. This comparison does not, however, take into account demographic and economic changes, particularly the aging of the population and the increase in poverty, which both have increased the number of people who are potentially eligible for Supplemental Security.

Controlling just for income, participation in Supplemental Security by working-age adults who are potentially eligible because of low income has actually declined over the past decade and a half. In 2011 there were 17.6 nonelderly adults receiving Supplemental Security for every 100 nonelderly adults with incomes below 100 percent of the poverty line, compared to 18.5 nonelderly adults in 1996. In other words, the number of nonelderly adults receiving Supplemental Security grew at a slower rate than the number of nonelderly adults with very low incomes.

The share of nonelderly adults receiving Disability Insurance has increased over time. This is largely due to demographic factors, including:

A number of factors account for this one-percentage-point increase in the disability-prevalence rate after accounting for the changes in the age and gender distribution of the workforce, including the following:

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More Specific Conditions That Could Entitle You To Benefits

It is important to note that every applicant presents individual circumstances that could qualify or disqualify them for benefits. With this in mind, some of the specific conditions the SSA lists under its broader medical categories include:

  • Liver disease
  • Depressive disorder
  • Bipolar disorder

These are just some of the many conditions the SSA lists as potential prerequisites for receiving disability benefits through one or more federal programs. Additional context may be required to determine your eligibility and the number of benefits you could receive if you are eligible. As such, these conditions do not automatically qualify you for disability benefits.

Learn How To Pass Your Disability Determination Services Review Call Us Today For More Information

What is Social Security Disability Insurance?

Each year, more than 2.5 million individuals unable to work due to their medical condition or impairmentsfile a claim for disability benefits. To assist with the daunting process of reviewing all these disabilities claims, the Social Security Administration has enlisted agencies in each state to initially examine the claims. Even if you have a medical condition or impairment that limits your ability to work or leaves you unable to work, your disability benefits application can be denied if your condition does not meet the legal and medical criteria for disability benefits as required by the Social Security Administration.

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Division Of Disability Benefits

The Ohio OOD Division of Disability Determination , in agreement with the Social Security Administration , determines medical eligibility for Ohioans who apply for Social Security disability benefits. Benefits include:

Disability, under the SSA, is based on an individuals inability to work. SSA uses the same definition for both benefit types. Unlike workers’ compensation or veterans benefits, SSA has no partial disability category. DDD is a federally regulated division of OOD. It receives 100 percent of its funding from SSA.

Assist someone filing for Social Security disability benefits.

Number Of Credits Needed For Disability Benefits

To be eligible for disability benefits, you must meet a recent work test and a duration work test.

The number of credits necessary to meet the recent work test depends on your age. The rules are as follows:

  • Before age 24 – You may qualify if you have 6 credits earned in the 3-year period ending when your disability starts.
  • Age 24 to 31 In general, you may qualify if you have credit for working half the time between age 21 and the time you become disabled. As a general example, if you become disabled at age 27, you would need 3 years of work out of the past 6 years .
  • Age 31 or older – In general, you must have at least 20 credits in the 10-year period immediately before you become disabled.

The following table shows how many years of work credits you need to meet the duration of work test based on your age when your disability began. For the duration of work test, your work does not have to fall within a certain period. The table only provides an estimate of how many work credits you need. It does not cover all situations. If you are statutorily blind, you must only meet the duration of work test. When statutory blindness is involved, there is not a recent work test requirement.

NOTE: This table is an estimate only and does not cover all situations

If you become disabled…
9.5 years

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Other Benefits That May Affect Your Benefit Amount

If you receive disability benefits from any private long-term disability insurance policy, these benefits will not affect your SSDI benefits.

However, if you receive other forms of disability benefits from the government, such as workers compensation benefits or temporary state disability benefits, your SSDI benefits may be affected. In this case, you will only be qualified to receive up to 80% of the average earnings you made before you became disabled in SSDI and other disability benefits. Any SSI and VA benefits will not, however, reduce the SSDI benefit.

If the criteria for work credit applies and you qualify for the benefits, a process involving five questions is followed:

Are you working?

The SSA will assess whether your total hours worked and earnings are below a certain amount, which varies every year.

Is your condition severe?

The condition must significantly limit the ability to do basic work for a minimum of 12 months. These works include lifting, standing, walking, sitting, and remembering.

If the condition does interfere with basic work-related activities, the SSA will move on to the next criteria question.

Is your condition found in the list of disabling conditions?

Can you do the work you did previously?

Here it is decided if the medical impairment prevents you from performing any of your past work. If it does not, then it will not be seen as a qualifying disability. If it does, the next step will be assessed.

Can you do any other type of work?

Ive Heard That My Ssdi Payments May Be Reduced If I Receive Other Benefits How Does This Happen

The Criteria for Qualifying for Social Security Disability Insurance

If you receive other disability benefits such as Workers Compensation, your benefits may be recalculated or reduced. This may take place based on the SSDI index which is also the same index used to compute all Social Security benefits. The SSDI index looks at average wage indexes and applies them to a beneficiarys average current earnings.

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Appeals And Legal Advocates

Do not be discouraged if you have to appeal your claim for SSDI benefits. You are in the majority. Only 38 percent of first-time applications are approved, meaning 62 percent are denied. The appeals process requires great attention to detail and deadlines. The rules and procedures governing SSDI can be very complicated and confusing. Having an advocate, someone who can help you deal with the paperwork and deadlines involved in the process, is not required, but can be very helpful.

There are four levels in the appeals process: reconsideration hearing appeals council and federal court. It is a step-by-step process, meaning you begin with reconsideration and only move on to the next level if your appeal is denied. If you win your appeal at any step along the way, you will begin receiving benefits.

You can handle your own Social Security appeal or choose a lawyer or friend to help. That person is called a representative and cant collect a fee from you without first getting written approval from Social Security.

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