Social Security Disability Benefits
Social Security disability benefits are provided through two Social Security Administration programs. And the payments available to the disabled are paid monthly.
The application and consideration process is complicated. This article is not the complete answer. To make a good start you have to read the book. After that you need to seek help from knowledgeable and competent professionals.
Social Security disability benefits are available to people who become disabled before reaching age 65. And, above all, make sure you pay attention to their definition of disabled.
Here is how Social Security defines disabled:
*Social Security pays benefits to people who can’t work because they have a medical condition that’s expected to last at least one year or result in death.*
The definition is strict. Because federal law says it must be strict.
Social Security disability benefits are offered through two different programs. The first is Social Security Disability Insurance (SSDI). And the second one is Supplemental Security Income (SSI). In short you must meet two different earnings tests to qualify for benefits:
- A recent work test, based on your age at the time you became disabled;
- A duration of work test to show that you worked long enough under Social Security.
SSDI and SSI are the same species. However, they are a different breed of animal. People who become sick or injured and can no longer work are SSDI candidates. And payments from your paycheck fund this program.
The social security disability benefit allows you to collect a check for as long as you are disabled. And you can collect until you reach retirement age and can claim regular retirement benefits.
Here’s What Makes Them Different
SSI differs because it’s for people who have a disability. Like being blind. And they also earn a limited income. People over the age of 65 may also apply for SSI. SSI recipients must have a low income. And have little or no valuable assets. This program is funded by general tax dollars.
Regardless of how the programs are funded they exist to help people. However, do not expect to get rich. They are meant to keep the disabled from being homeless and starving.
Applying for Social Security Disability Benefits
Applying for social security disability benefits is easy. Because were living in a technological age. Get online and visit: https://socialsecurity.gov or call the toll free number: 1-800-772-1213. The TTY number is 1-800-325-0778. Their office
hours are 7 a.m. to 7 p.m.
When you schedule your appointment the SSA sends you a kit. This kit will help you get ready for your disability claim interview. If you do not want to wait for the kit go to https://socialsecurity.gov/disability. You can download a copy.
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