Being disabled is a big blow to anybody. Aside from the emotional, psychological, and physical distress that comes with being disabled is the financial downside of the whole matter. Disabled people have special needs that need to be met, especially medications and physical therapy. Being able to make permanent disability claims would ease a lot of the financial burden on disabled people as well as their family.
One of the Social Security Administration’s scopes of support is with members who have disabilities. They are, however, very strict with approving applications for permanent disability claims. It’s important to understand that the Social Security Administration defines “disability” under very stringent conditions.
To be considered a eligible for a permanent disability claim and to be eligible for disability benefits, you must meet these qualifications:
• You must be unable to do the work you did before, and the SSA must decide that you are also unable to adjust to the work because of your medical condition
• The minimum length of time that the disability must last is one year, or it must be a disability that will result to death
Please note also that while other private companies that offer disability insurance may pay for partial disability, the SSA will only pay for total disability.
What if I still want to work?
There are special “work incentives” where you can keep receiving disability welfare benefits and Medicare while you try working. This will be considered a trial work period. If after 9 accumulative months you have been able to perform services that gave you “substantial” earnings (about $940 a month, $1,570 for those who are disabled due to blindness), your benefits will stop.
If for some time your employment stops and your disability still exist, the Social Security Administration can start paying your disability welfare benefits again.
What is the difference between SSDI and SSI?
The Social Security Administration gives out disability benefits through these programs. The Social Security Disability Insurance (SSDI) is paid through Social Security taxes paid by the people. To qualify for this, a member must have earned sufficient amount and work credits. The benefit received by the member is based on his/her Social Security earnings record.
The Supplementary Security Income (SSI), on the other hand, is a program supported by general revenue. Some of the factors needed to be qualified in this program are:
• Adults or children who are blind or disabled
• Has limited resources and income
• Meets living arrangement requirements
The amount of the benefits paid are based on the maximum Federal benefit rate and is usually either supplemented by the State or decreased based on the person’s income and resources.
Do children qualify?
Yes, children may qualify to make permanent disability claims. Under the SSI, a child (up to the age of 18) may be eligible for benefits if:
• He or she has a disability or impairment that is included in the disability list for children of the Social Security Administration. This list can be found at the SSA’s website.
• If the income and resources of his/her parent/s are within allowable limits.
Under the SSDI program, an adult child (18 years old or older) may qualify for disability welfare benefits if he/she meets the following conditions:
• The child has impairment or impairments that are under the list of disabilities for adults found in the SSA website
• The disability or impairment begun before the age of 22
• The adult child’s parent/s have worked long enough to get insurance from the Social Security Administration and are currently receiving retirement or disability benefits, or are deceased
Oftentimes the Social Security Administration does reject applications for permanent disability claims. In these cases, you have the right to be represented by a lawyer when filing for an appeal. It’s best to make sure that you have the best kind of help available to you
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