Tag Archive | Social Security Disability Insurance

Unable to work because of chronic illness?

Unable to work? Never-ending complications from lupus prevent you from holding down a job. When you talk with your doctor, he suggested that you think about applying for Social Security benefits: But, “Isn’t Social Security for older people?” No.

It’s quite likely that your doctor referred to applying for benefits from Social Security Disability Insurance (or SSDI). SSDI is part of the “Social Security Act,” signed into law by President Roosevelt, providing financial benefits to disabled citizens. Administered by the Social Security Administration, Social Security Disability Insurance is funded by payroll deductions at your work.

If your employer has made reasonable accommodations for your disability or illness, required by the American for Disability Act and worked with you and the Family Medical Leave Act of 1993; and you’re still not able to sustain gainful employment you may consider the benefits of Social Security Disability Insurance.

Benefits are for those who meet the eligibility requirements. Besides being a citizen of the United States, the Social Security Act requires that to be eligible to received benefits, you must meet the following requirements:

1.“You cannot do work that you did before;”

2. “We decide that you cannot adjust to other work because of your medical   condition(s);

3. “Your disability has lasted or is expected to last for at least one year or to result in death.”

The approval process can be long and frustrating; but it can he rewarding if you apply and are approved for benefits.

It may seem that your claim many never be approved even if you feel you more than meet the qualifications. But, if you are confident that you meet the above qualifications, have patience and persistence with the application and approval process, your likelihood of a positive outcome is greater.

An organization that can help you determine if you have a case is The Disability Digest. This organization has experienced disability advocates to support and guide you through this process of making your application and much more. Membership is free, as are most benefits of the organization. A link to their website is: The Disability Digest.

Yes, working is an admirable goal, but there are times when it’s just that; a goal that you aimed for, but realistically, you’re not able to meet.

 

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Lupus Research Institute Advocacy Results in Congressional Funding of New National Lupus Health Education Program – PR.com

Those of us with lupus, and most of us have lupus or support someone who does, want to know when a cure will be found. This article explains recent research into finding such a cure.

Lupus Research Institute Advocacy Results in Congressional Funding of New National Lupus Health Education Program – PR.com.

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Social Security Benefits

You keep trying to find a job that you can do, but your medical condition worsens and now you can’t hold down a job. How can you make ends meet if you can’t work? Your doctor suggested that you look into benefits from Social Security Disability. So, you’re doing just that and find that the definition of disability used by Social Security. To be eligible for benefits, you must meet these 3 criteria:

*You’re unable to do the work you did before your illness

*Social Security determined that you’re unable to do other work because of your medical condition

* Social Security made the determination from your medical records that your disability is likely to  last 12 months; or result in your death.

Adherence to Social Security Administration guidelines is strict; partial disability isn’t granted, because it is felt that most families have enough support, enough resources available to them in the case of a for partial or a short-term disability.

There are five different kinds of disability benefits granted. Until not long ago, I just thought there was one benefit and that was getting a monthly check for the amount of time I’d worked. Not  so. There are 5 types of Social Security benefits that a person may qualify for based on income and age, also:

1. Social Security Disability Insurance (SSDI) or Social Security Disability (SSD) is a program  funded by payroll taxes; so to receive benefits under this program, a person needs to have a measurable work history, be under 65 and the  meet the criteria that Social Security sets for to determine if you’re disabled.

2. Supplemental Security Income (SSI) is for individuals who may not have met the work requirements or may fall below the preset income requirements. Recipients of SSI must satisfy all the medical requirements of Social Security Disability Insurance, but they haven’t met the work requirements and/or they fall below a preset household income.

3. Disabled Adult Child benefits are for an adult child who becomes disabled before 22 years of age, but because of his/her age, doesn’t have enough work experience (commonly called credits) to be eligible for SSD. The child may be eligible for Disabled Adult Child benefits IF his parents earned enough work credits.

4. Children of Disabled Adults are entitled to benefits if their parents had been taxpayers, then became eligible for disability benefits from the Social Security Administration. These benefits are for minor children and the benefit depends on the amount of money the parents earned while they worked.

5. Disabled Widows and or Widowers Benefits: If within a certain amount of time after the death of a spouse,  their widows  or widowers become disabled, they may be entitled to benefits. There are not income requirements, but there are requirements that the people be at least 50 and there are requirements that their deceased spouse worked long enough to qualify for this type of disability insurance.

Have you applied for any of the above disability benefits and been denied? Now there is FREE, sign-up with tutorials, interviews with expert advisors and Webinars that can give you advice and facts about how to proceed with your case and IF you’re eligible for benefits. The Disability Digest delivers a newsletter several times a week with advice and support. Members have access to an online blog, message board and forums for community and support; all for free.

I would greatly encourage membership in this fine organization for anyone seeking disability benefits. For more information, click on the image below.

 

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Disability

English: Social Security Administration Office...

English: Social Security Administration Office of Inspector General Seal. (Photo credit: Wikipedia)

No matter how hard you try, the fatigue or other symptoms of lupus prevent you from working and earning a living. How will you support your family? In 1935 President Roosevelt signed into law, what was then known as the Economic Security Act. Now known as the Social Security Act, this benefit is and was funded largely by payroll deductions to care for the infirm, the aged, and their survivors.

Social Security Disability is the portion of this act which provides for infirm or disabled citizens, provided they have been deemed by the Social Security Administration as disabled. However, to be eligible for benefits, you must meet requirements set forth by the Social Security Administration which are:

You must not be able to do the work that you did before,

The Social Security Administration must determine that your current medical condition prevents you from adjusting to other work

Your medical condition is expected, as documented by physicians, to last for 12 months  or to result in death.

The road to receiving disability benefits is long and there are many hoops to jump though as there ought to be. The government doesn’t have money to give to anyone who asks, but if you’re truly needy and persevere, you’ll be granted benefits. Here is a direct link to a non-profit organization which does nothing other than meed disability needs.

 

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Application for Social Security

Your first boss understood, “After all, he has physical limitations which aren’t his fault, and he does a good job, so we’ll all double our efforts and work something out when he can’t come in.”

But, the new boss didn’t see it that way. Even though you had well-documented reasons for sick days; you were let go. What about the nearly two decades of dedicated service and countless times you’d stayed overtime to get the job done? More important, how are you going to pay the rent and meet other financial obligations?

For a year, you found less strenuous part-time jobs, strung them together, got by on savings, and then moved in with friends. But, your health got worse and absenteeism increased. The writing is on the wall: You can’t hold down a job.

Church or civic groups raised money and you managed for a while; but in this economy their revenues are down; clearly, you need to do something. But what? Your minister suggested that you might want to look into Social Security. What is that? Continue reading

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