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People who are unable to work due to a long-term, permanent, or fatal medical condition may request monthly benefits from the Social Security Administration. SSA does not offer assistance to people with partial or short-term disabilities. However, qualifying family members of disabled workers may be eligible to receive Social Security benefits.1
You may file for SSD benefits if you:
Types of Social Security disability benefits:
The primary difference between SSDI and SSI relates to an applicant’s work experience. If you haven’t been working long enough to qualify for SSDI benefits, SSI may be an option for you. While these programs are both administered by the Social Security Administration, they are completely separate and have slightly different eligibility requirements. In some instances, it may be possible for eligible applicants to qualify for both SSDI and SSI benefits.
The following is a list of conditions commonly covered under Social Security Disability benefit programs. You may have one of the conditions below and still be denied Social Security benefits based on your medical or work histories, or other federal requirements.
There are three ways to apply for Social Security Disability benefits:
Before filing a request for benefits, you will need to gather documents related to both your medical and work histories. If you haven’t seen a doctor recently, you should schedule a medical appointment as soon as possible. If you are unable to pay for your medical visit, SSA can schedule an appointment at no cost to you. However, this may delay the processing of your claim.
During your visit, talk with your doctor about your disability and discuss how it might impact your ability to work in the future. He or she may order a series of lab tests to determine the appropriate treatment plan. Keep records of any medical visits or lab tests; SSA will want to review those medical histories with you.
If you have documents from current or past employers, assemble those as well. Pay stubs, tax returns, and W2’s are a good place to start. Having relevant copies of financial award letters, agreements, and other proof of any temporary or permanent workers’ compensation benefits can only help speed up the claims process. Electronic copies of these documents should suffice, but make sure to have physical copies of things like your birth certificate or naturalization papers.
Unfortunately, there is no simple answer to this question. There are a number of factors that ultimately determine your personal benefit amount, including how long you have been active in the workforce, your average yearly earnings over the course of your career, and how long you expect to be unable to work (usually confirmed by a doctor).
If deemed eligible for Social Security benefits, you will earn a percentage of what you would have ordinarily earned had your disability not impacted your ability to work.
This question also comes with a complicated answer. The amount a person is able to earn and still receive SSD benefits changes every year, and it depends largely on a person’s retirement status. For the most up-to-date numbers, explore the SSD webpage dedicated to working beneficiaries.
The following information is based on 2020 figures released by the Social Security Administration.
If you have not reached retirement age: SSA will deduct $1 from your benefit payments for every $2 you earn above $18,240.
In the year you reach full retirement age: SSA deducts $1 in benefits for every $3 you earn above $48,600.
If you have reached retirement age: Your earnings no longer impact your benefit amount, regardless of how much you earn.
Retirement ages vary based on when a person was born, but for everyone born after 1959, the current retirement age is 67. Once you reach that benchmark, your benefits will be recalculated, and your monthly distribution will likewise be adjusted.
It is imperative that you speak with a trusted attorney who routinely practices in the area of Social Security Disability. An experienced disability lawyer can help you make sense of the appeals process and set you on a path toward greater financial stability. At Nicolet Law , our attorneys are prepared to meet your legal challenges head-on and provide you the peace of mind you deserve.
If your disability claim was recently denied, contact your local Social Security Disability experts at Nicolet Law Office– Rice Lake. Our team is dedicated to protecting the rights of disabled clients in Barron County and beyond. We have built our reputation on providing experienced, compassionate, and affordable legal representation to clients experiencing financial hardship. Allow one of our attorneys help you make sense of your complex legal situation.