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.