Can You Work And Get Social Security Disability – If you or a loved one has just been diagnosed with ALS, it’s natural for your mind to wander to thoughts like … how will this problem affect me financially? What about the people I love?
Talking about money can be stressful — and it’s even more difficult when you’re faced with the financial realities of navigating life with ALS. We’ve got your back. We’ve provided helpful information and resources on Social Security Disability Insurance (SSDI) and Medicare benefits you can access.
Can You Work And Get Social Security Disability
We’ve covered all of these things for you here, but remember – feeling overwhelmed or needing some help throughout this process is completely normal. This is HARD. We understand, which is why we have a team ready to provide you with personalized support regarding SSDI, treatment and much more.
Term: Social Security Disability Insurance: Ssdi
Making sense of this program and how it can help you on your ALS journey can be tricky, so let’s break it down: Social Security Disability Insurance, or SSDI, is a federal support program created for the sole purpose of providing financial assistance to people with disabilities. How this works is people who have been unable to work for a year or more due to a qualifying disability receive monthly benefits. This benefit can also extend to other members of their family.
A little history: SSDI falls under the umbrella of the Social Security Act of 1935, and was amended in 1960 by President Eisenhower to provide coverage for people with disabilities of any age. Up to 8.5 million Americans receive benefits from SSDI each year – including those living with ALS.
The question you may be asking yourself is: Do I qualify? Here is some information about eligibility for SSDI Benefits to help you find out:
Great question! You can expect the average salary earned over the total working years to determine the monthly payment amount. The benefits provided by SSDI support can range from $800 and $1,800 per month. The Social Security Administration (SSA) website offers a handy calculator if you’d like to estimate your potential benefits.
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SSDI benefits can also benefit your loved ones. Financial support may be available from a spouse, ex-spouse, child or disabled child. Each family member can receive up to 50% of your benefits. If you are a spouse or former spouse and would like to apply for benefits, please visit the SSA’s Form SSA-2 page.
No! Although Medicare and SSDI are two different forms of financial support, the eligibility process is shared. Therefore, if you apply for SSDI and are approved, you will also be eligible for Medicare benefits. Finally get one point for doing well!
SSDI benefits provide you with a monthly lump sum, while Medicare benefits will help you pay for medical care and supplies. Most people qualify for free Part A Medicare benefits, which include inpatient care, skilled nursing facility care, nursing home care, hospice care and home health care. There are different types of Medicare plans, and we highly recommend you review this page from our friends at Your ALS Guide for Medicare information. If you need support while looking at this information, never hesitate to contact us.
If you think you’re eligible, this step is for you — How do I apply for benefits?
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BONUS: A disability starter kit can be helpful in preparing certain documents and information that will be asked of you during the application process.
We know the waiting game can be stressful … especially when bills come due. Thanks to that patient-led advocacy work we talked about earlier with the passage of the ALS Disability Insurance Access Act (S. 578) , once the application is approved, your first Social Security benefit will be paid the following full month after the date of disability. he started. People with ALS now receive a higher priority for SSDI and Medicare benefits.
When someone without the required work history becomes disabled, it may be challenging to meet the eligibility requirements for SSDI benefits due to not being able to provide the required employment history but we can still help.
We did some research to uncover some loopholes. First, if homemaking occurred a short time before becoming disabled, and a prior consistent work history can be provided, eligibility for SSDI is still possible.
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Additionally, if your spouse or former spouse is deceased, and you are at least 50 years old or have children under the age of 16, you may be able to use your spouse’s work history to qualify for SSDI disability payments.
If one of the above conditions does not apply to you, and you do not have enough work history to qualify for SSDI, you can still apply for Supplemental Security Income (SSI). SSI is not based on your work history, but on financial need and your disability.
We know that making sense of government support programs can often be a daunting task at first, but we hope this resource provides a good starting point for creating your own ALS financial management plan.
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Now through the end of December, double your impact with a dollar-for-dollar match thanks to our partners at The Hummingbird Fund! All contributions will be matched up to $50,000. The number of years of service required to qualify for disability benefits depends on your age. Social Security evaluates your work history based on work credits. Generally, you will need to work 5 out of 10 years to have enough work credits to qualify for Social Security Disability Income (SSDI). Generally, you need 20 work credits in the last 10 years.
There is a chart available to understand how many work credits and years of work are required based on your age. To get work credits, you need to work and pay into Social Security. In 2023, you must earn $1,410 to receive one work credit.
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Younger workers may be able to receive disability benefits with fewer work credits. If you become disabled before age 24, you must have earned 6 credits in the three years before your disability began. If you become disabled between the ages of 24 and 31, you need credits for part of the time between age 21 and the start of your disability. For example, if you become disabled at age 29, you will need four years of previous work, or 16 credits.
You will also need to have recently worked to qualify for Social Security disability benefits. If you worked in your youth but took 6 years off to raise a family, you will no longer be eligible for Social Security disability benefits. Most SSDI recipients need to have worked recently, usually any 5 of the last 10 years.
If you’ve worked part-time, but earned income within the past few years, you may be eligible for Social Security disability benefits.
If you are not working enough, there is still hope for your application. You can apply for Supplemental Security Income (SSI) benefits. These benefits are for people of all ages who are in dire financial need. Rather than considering years worked and work credit, the SSA will look at your income and assets. If you are within the income limits, you may be eligible for disability benefits.
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Once you have determined whether you have worked long enough for SSDI or if you are within the income limits for SSI, you will need to meet the medical requirements. These are the same for both SSI and SSDI.
To be medically eligible, you will need to meet the Blue Book list. The Blue Book is a guide used by the SSA to determine whether someone is medically eligible for disability benefits. Within the Blue Book, you can find the conditions that qualify for disability benefits and the requirements that need to be met in that particular situation.
This includes things like certain test results, doctor’s notes, medications, treatment options, etc. Check the Blue Book with your doctor to make sure you are medically eligible.
If you are medically unfit, but still unable to work because of your condition, there is still hope. You can request a residual functional capacity (RFC) form to be completed by a doctor. This form will describe the disabling condition you are experiencing, your symptoms, and how it affects your ability to work.
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The RFC will show that you are unable to work in the field you are qualified to work in, and that there is no other occupation you are qualified to work in.
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