Basic Concepts on Disability Insurance Benefits

Disability of a worker could be a result of a lot of factors. It can be caused by a disease, physical impairment, or an injury acquired from an accident.
It could have lots of devastating effects to a person. One of which is the inability of the disabled person to provide for his or his family’s financial needs.
There are, however, agencies that could cater to financial needs of the disabled.
Social Security Agency
According to the Social Security Agency (SSA), a person at the age of 20 has a 3-10 risks of having a disability before he reaches retirement.
The SSA provides disability benefits that would suit the beneficiary.
Types of Disability Benefits
There are two basic classifications of Disability benefits. First is where the benefits are extracted from Social Security taxes that are paid by the disabled. He should be working at least five years of the ten-year period before his accident. This is called the Social Security Disability Insurance (SSDI).
It is important to note that beneficiaries from SSDI can either be poor or rich for their benefits are guaranteed.
Second is the Supplemental Security Income (SSI). Unlike the SSDI, the funds used in this type of disability benefits are taken from general tax revenues.
Beneficiaries can be either poor or disabled. A person does not need to have work experience to qualify for this type of compensation.
Qualifications for Social Security Disability Insurance
• The person should have mental or physical condition that would prevent him from doing any “substantial gainful work”
• He must also be below 65 years of age
• His condition is to last for not less than 12 months.
• Has worked for at least five years within the ten-year period before he attained his condition.
There are at least five major types of social security disability beneficiaries. They are:
• Supplemental Security Income (SSI) beneficiaries
--- Beneficiaries are either poor or disabled. It is not important if he has worked before he is disabled or not.

• SSI Child's Disability beneficiaries
--- Beneficiaries are children who have become disabled before they have reached the age of 18.

• Disability Insurance Beneficiaries
--- Claimants must have worked for a number of years in the US before they are disabled to benefit from their paid social security taxes.

• Disabled Widow's and Widower's Beneficiaries
--- Beneficiaries must be at least 50 years old and have become disabled within a certain amount of time after his spouse has died. He must also have worked before he has become disabled.

• Disabled Adult Child Beneficiaries
--- The parents of the beneficiary must be dead or disabled before he reached the age of 22.

Process of getting these financial aids can take months and even years of reviews before approval.

Almost half of applicants for disability claims are rejected as only 52% of these applicants are successful in getting disability compensation.

If an applicant is rejected, there are still chances of receiving disability benefits. He is always allowed to consult a lawyer that could help him in his case.

There are lawyers who specialize in Disability claims. In California, there are Los Angeles Social Security Disability Lawyers that could help disabled or their legal heirs to claim the Disability benefit that they deserve.