What Conditions Qualify For Social Security Disability – Published: February 28, 2022 / Last Modified: March 4, 2022 / in All Blog Posts, Social Security
If you or a loved one is disabled and unable to work, what are your options for financial assistance? While private disability insurance or Workers’ Compensation (if disabled at work) may offer some help, what else is available?
What Conditions Qualify For Social Security Disability
The Social Security Administration (SSA) has two programs to help people who are disabled – Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). You can complete one or both of these programs.
Understanding The Differences Between Ssi And Ssdi
Social Security Disability Insurance (SSDI) is federal disability insurance that you are automatically enrolled in through Social Security taxes withheld from your paycheck. That tax refund allows you to be disabled before retirement age, cash and medical benefits. Qualified family members can also benefit from this program. The benefits awarded are based on your previous income and usually continue until you are back working regularly.
Supplemental Security Income (SSI) is a program that provides financial assistance to people who cannot work to meet their basic needs (food, clothing, shelter). SSI is funded from general tax revenues, so it does not require the recipient to have worked or contribute to Social Security in the past. Benefits are based on your current resources, financial and otherwise. Minors with physical or mental disabilities or who are blind may also be eligible for financial assistance under this program.
Both SSDI and SSI use the same criteria to determine disability, but differences in work history and financial needs between the programs affect who qualifies for each.
Because SSDI is funded by Social Security taxes from your previous wages, you must have an earnings record to prove that you have worked long enough and recently enough to qualify for disability benefits.
Who Is Eligible For Disability Benefits From Social Security?
Social Security gives workers “work credits” based on their earnings to measure their eligibility for Social Security benefits. While the amount of income required to qualify for a work credit changes from year to year, a worker can currently earn a maximum of 4 work credits per year with just $6,040 in earned income (2022). Generally, 40 work credits are required to receive benefits, with 20 of those work credits earned in the last 10 years before your disability began. (Younger workers may end up with less credit because they haven’t been in the working age long enough to earn more.)
Social Security’s definition of disability includes only those with total disabilities who are unable to work and does not provide benefits for those with partial or short-term disabilities.
If you’re still working, Social Security uses your current earnings to determine whether your work constitutes “substantial gainful activity (SGA).” As of 2022, a monthly income of less than $1,350 ($2,260 if you’re blind) generally means you don’t have a qualifying disability. If you make less than that (or don’t work at all), then your case will go to Disability Determination Services (DDS) to evaluate your medical condition based on four additional questions.
A “severe” condition means that your condition will significantly limit your ability to perform “essential work activities” and is expected to last for at least 12 months or cause death.
Everything You Need To Know About Social Security Disability Insurance (ssdi)
The SSA maintains several lists of qualifying medical conditions. If your situation is not listed, an individual decision must be made.
There are two quick options for cases with a high probability of approval. Compassionate grants allow admission upon confirmation of a diagnosis for “certain cancers, adult brain diseases, and a number of rare diseases that affect children.” Quick Disability Determinations (QDD) uses technology to identify those applicants with the most severe disabilities who are most likely to qualify. These options can often speed up the qualification process from months to days for those with the most severe conditions.
If you are unable to do the work you have done before, then your medical condition, age, education, work experience and skills will all be taken into account in the search for other work that you can do. If no other job can be found, you may be eligible for SSDI benefits.
If you are approved for disability benefits, your monthly benefit amount will be determined based on your past average earnings and any other benefits you currently receive (general disability, Workers’ Compensation, government pensions, etc.). The SSA provides an online benefits calculator to help you estimate your benefits. If you start receiving SSDI benefits before retirement, then your disability benefits will automatically convert to retirement benefits when you reach full retirement age, even though the monthly payment amount will remain the same.
Social Security Disability Benefits Lawyer
While Supplemental Security Income is also an option for people with disabilities, it differs from SSDI in that it does not require a work history but instead requires proof of need.
Individuals who are blind or totally disabled (as defined above) may qualify for SSI assistance. This means they are unable to engage in “substantial gainful activity (SGA)” for at least 12 months due to their condition. Adults age 65 and older without disabilities may also qualify if they meet financial qualifications.
Because SSI is awarded based on need, only those with low incomes and limited resources can qualify. “Income” and “resources” have specific definitions that help determine eligibility.
Income: Income includes any money you receive (such as wages, pensions, or Social Security benefits) and any food or shelter you are provided. Acceptable income levels vary from state to state. Parts of the spouse’s income or the parents’ income (if less) are included, but there are also many exceptions that are NOT included, such as the Supplemental Nutrition Assistance Program (SNAP), most home energy assistance, non-profit housing , some scholarships, and a portion of any wages earned.
How To Win Social Security Disability Benefits
Resources: Resources are things you own. To qualify for SSI, your income must not exceed $2,000 (more than $3,000 for some). Resources that count include cash, bank accounts, stocks and bonds, and real estate. Resources that do NOT count are the home/land you live on, your car (usually), burial plots (yours and immediate family), burial funds for you and your spouse (up to $1,500 each), and insurance policies. life with a face value of $1,500 or less.
If you qualify, the amount of SSI payments will depend on your income and available resources, as well as the state in which you live. Some states add money to the federal amount to increase payments. Also, it is possible to qualify for and receive both SSI and SSDI at the same time, something the Social Security Administration calls “concurrent benefits.”
Social Security Disability Insurance (SSDI): In the event that an insured worker no longer collects SSDI due to retirement or death, there are MANY options for family members to continue collecting benefits from the workers’ comp. A Social Security representative or Social Security Disability attorney can help you determine if you are eligible.
There is a limit to how much a survivor can earn while collecting benefits, and there is also a limit to how much a worker and their family members can collect from the worker’s work history, usually 150 to 180 percent of the insured disability. benefit Divorced spouse benefits are not covered by the entire family.
Social Security Disability Benefits Application Guide
Supplemental Security Income (SSI): Under SSI, disabled or blind children can receive income and resources for financial assistance. The child must have a condition (physical or mental) that severely limits his activities and has lasted (or is expected to last) at least 1 year or will cause death. The online Child Disability and Fact Check Starter Kit can get you started by answering some common questions and providing a worksheet to help you gather information for the Child Disability Report.
The SSA website has a button to fill out a disability application online. The online application can be used to apply for both SSDI and SSI simultaneously, but only if you are not currently receiving Social Security benefits. However, before filling out the application, consider the following steps.
If you choose the help of a Social Security Disability attorney, he or she can help you fill out and submit your application. Alternatively, you can apply through the SSA website, through your local Social Security office, by calling the SSA’s toll-free number, or by mailing in your application. When your application is received, if no new information is needed, you will receive a letter with the SSA’s decision.
While Social Security Disability programs are a complex subject, there is help to navigate the confusion. Talk to an attorney or Social Security agent to get more information to see if Social Security Disability benefits are an option for you.
Applying For Social Security Disability Benefits
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