Eligibility, Requirements, Approved Disabilities, Payout and Age Requirements
If you suffer from a disability, then chances are you’ll want to apply for Social Security Disability (SSD) benefits as soon as possible. However, applying for benefits can be nerve-wracking. That’s where this article comes in. In this comprehensive guide, we’ll answer all your questions about the process of applying for benefits and whether or not it’s the right move for you. If you’re ready, keep reading!
What is Social Security Disability?
If you have a disability, you may be able to qualify for Social Security Disability benefits. The Social Security Administration (SSA) defines a disability as a “physical or mental impairment that results in a reduced ability to perform basic work activities.” While the SSA doesn’t specify what types of impairments are eligible for disability benefits, the agency does provide some general guidelines. All applicants must prove that they have a condition that prevents them from working. This can include things like chronic pain, mental disorders, and disabilities caused by an accident. A disability may be considered for all ages, including those who are younger than 18. In addition to having a physical or mental impairment, the applicant must also have had the condition for at least a 12-month period.
How to Apply for SSD Benefits
There are two ways to submit an application for Social Security Disability benefits. The quickest method is to apply online. However, this is only available to those who have a computer and Internet connection. The other option is to file paper applications. This can be done by visiting a Social Security office in person or by calling and scheduling an appointment. Paper applications have their advantages. They allow you to bring other medical documents, such as a diagnosis letter, x-rays, and other evidence if you feel it will help your case. Paper applications also allow you to be more thorough than online ones. In addition, the process is more personal and you have the chance to speak with a Social Security representative.
Benefits and Eligibility Requirements
Before we dive into what you need to prove during your application for benefits, let’s first address the payout amount. The SSA sets the maximum amount for a single person’s monthly benefits at $914. This amount is taxable income and is subject to federal, state, and local taxes. It’s important to note that you can receive SSD benefits regardless of your medical condition and age. However, you must prove that you have a disability that prevents you from working. To be eligible for SSD benefits, you must have a condition that prevents you from working. Some examples of conditions that may qualify are: – back injuries – heart conditions – seizures – chronic pain – mental disorders
Age Requirement for SSD Benefits
Another common question that arises is the age requirement for applying for SSD benefits. The truth is that there is no specific age limit. However, the Social Security Administration (SSA) does give guidelines for when children may be eligible for benefits. The SSA has a program called the Disability Insurance (DI) program. This program is for people who are under the age of 35 and between the ages of 35 and 59 can receive disability benefits. To be eligible for DI benefits, you must be able to prove that you have a physical or mental impairment that prevents you from working. Benefits are payable until you turn 65; however, if you are younger than 35, you must be under the age of 59 to receive benefits.
SSDI vs SSI Disability Benefits
There are two types of disability benefits provided by the SSA: Social Security Disability Insurance (SSDI); and Supplemental Security Income (SSI). Each program is uniquely designed to provide benefits to people who meet certain qualifications.
While Social Security Disability Insurance (SSDI) is designed to support individuals who are disabled and can’t work, Supplemental Security Income (SSI) benefits are designed to support disabled adults and children with limited income and resources. SSI benefits are also available to people aged 65 and older without disabilities who meet specific income requirements.
SSDI
SSDI benefits are available for disabled workers, their disabled surviving spouses, and children (disabled before age 22) of disabled, retired or deceased workers. To be considered “disabled” under the Social Security’s strict definition:
You must be unable to do any substantial work because of your medical condition(s); and
Your medical condition(s) must have lasted, or be expected to last, at least 12 months, or be expected to result in your death.
In addition to being “disabled,” a person must also meet two different earnings tests in order to qualify for SSDI benefits:
A “recent work” test based on the age at the time a person becomes disabled (which generally requires that people have worked five out of the 10 years before they become disabled); and
A “duration of work” test to show the person has worked long enough under Social Security’s rules (this generally requires that the person have an average of six years of work if they are between ages 30 and 60. People ages 27 and younger need 3 years of work).
SSI
SSI benefits are available for some people with little or no income and resources; SSI does not require either of the “earnings tests” as SSDI. SSI is available for people who have low income and few resources and are age 65 or older, disabled, or blind. Whether people can get SSI depends on their resources and income.
Final Words
If you’re disabled, you may be able to qualify for Social Security Disability benefits. SSD benefits may provide financial assistance that allows you to live comfortably while living with a disability. For more information, contact us and we can assist you.