What Veterans Should Know About Social Security

Americans who participate in military service can suffer from mental and physical side effects lasting a lifetime. These veterans who’ve become disabled may be entitled to receive disability benefits from the Social Security Administration. Veterans who are already receiving VA benefits can potentially be eligible for either Supplement Security Income (SSI) or Social Security Disability Insurance (SSDI). In order to qualify for SSDI, a veteran needs to fulfill the basic work history requirements and must have worked at least 5 out of the last 10 years. For SSI, a veteran must meet the income and asset limits established by the SSA.

Veterans who have a VA disability with the U.S. Department of Veteran can possibly qualify for additional disability benefits from social security. Sadly, if a veteran is receiving a pension from the VA and doesn’t fulfill the work history requirements, the veteran is not any longer eligible for SSDI benefits and merely qualifies for SSI. Remember it is great to bear in mind that SSI is an income-based program along with a veteran who has a pension may qualify for additional disability benefits through the Social Security Administration.

How Does Social Security Disability Work?

A person applies for disability benefits at a Social Security office or online, and receives an initial decision within three to four months. (Veterans with service-connected disabilities can have their cases expedited by asking Social Security to file a form called I-2-1%95-95. Display – Vital Request Evaluation Sheet.)

The claimant’s file is then assigned to a disability examiner, a specialist who will assemble the claimant’s medical records and, afterward, in consultation with a physician and/or a psychologist who is delegated to the examiner’s unit, make an approval decision or denial choice. Regrettably, the judgment that is made is often a refusal. If the claim is accepted, the claimant is considered 100% disabled and will be paid either SSDI benefits based on their past wages or SSI benefits based on the total amount of income they’ve (only those with low income and low assets qualify for SSI).

In case the claim is denied, the claimant gets a reconsideration review and may follow the disability appeal process. Then, after a very long wait, the claimant can get a hearing with an administrative law judge (ALJ). It can take an incredibly long time to truly have a hearing date set. Depending on which portion of the nation the claimant resides in, and backlogged the local hearing office is, it may take a year or longer to have a hearing date. Asking Social Security to expedite your case for a service-connected disability can help.

When Are Veterans Eligible for Social Security Disability?

You are only eligible for disability benefits from Social Security (called Social Security Disability Insurance, or SSDI) if you have worked full-time at least five of the last ten years. You may no longer be capable of receiving them, in the event, you wait too long after you stop working before you apply for Social Security benefits.

Often you can receive Social Security disability benefits in addition to any impairment compensation you are paid by the VA. On the other hand, in case you have a VA pension, Social Security payments may put you above the income limitations of the system and disqualify you for your pension.

Who Can Receive VA Benefits?

Generally, most VA benefits programs have two overarching requirements. Firstly, the applicant should have participated in active service. Secondly, if they aren’t any longer serving, they need to have been discharged under conditions other than “dishonorable.”

Active military service commonly applies to those serving full-time in the United States Army, Marine Corps, Air Force, Navy or Coast Guard, in Reserve branches or the Army National Guard and who have been activated for duty, or cadets and midshipmen enrolled at official U.S. Military, Air Force U.S. Naval or Coast Guard academies.

Moreover, in some scenarios, enrollment service in certain other designated national organizations or even having gone through armed forces training, at a military or Coast Guard academy prep school can qualify as active service for purposes of establishing VA benefits eligibility.

Honest discharges, most general discharges, and discharges under honorable conditions can suffice. Every VA program has particular conditions and exceptions, however. Moreover, the VA is frequently willing to appraise program eligibility on a case-by-case basis.

Concurrent Retirement And Disability Payments (CRDP)

Some individuals could be qualified to receive both a pension and disability payments at exactly the same time if they have both served more than 20 years of active service and incurred a service-connected disability of 50% or more.

Combat-Related Special Compensation (CRSP)

Particular military retirees might qualify for CRSP benefits should they’ve served at least 20 years or are on medical retirement, have a service-connected and battle-related impairment and have entire handicap rating that is higher or 10%.

VA Health Care And Nursing Home Care

Most veterans who meet the minimum general requirements can receive VA health care, even if they truly are being treated for a condition unrelated to service. The single constraint is that people who enlisted after September 7, 1980, or who entered active duty on October 16, 1981, must have performed two continuous years of service. That discharged non-dishonorably for a service-connected disability or hardship may also be eligible.

What You Should Know About Social Security Disability

Tens of millions of people rely on Social Security benefits, with all the vast majority of those payouts going to retirees and their families. But of the approximately 59 million Americans who’ll receive Social Security benefits in 2014, disabled workers, as well as their dependents, make up almost 11 million, along with the Social Security Administration pays out about $11 billion monthly to support them.

Disability benefits could be even more valuable than retirement benefits. You can plan for retirement (and you probably are planning for it) but you can’t forecast when an injury or illness might leave you unable to work, and sorely in need of financial support. Under, you’ll learn four of the most crucial facets of Social Security disability benefits so that in the event the time comes that you simply need them, you will know the fundamentals.

The monetary side effects of becoming disabled

As long as we’re on this cheerful issue, let’s review the means that a long-lasting condition or disability can clobber your financial well-being.

Those benefits can run out more quickly than you think while disability insurance through your work or purchased on your own may help keep your head above water. After that, the disabled regularly turn to the Social Security Administration for help by applying for benefits from the Social Security Administration disability insurance program (SSDI). It’s important to know your qualification and whether you qualify for these disability benefits based on impairment so you can understand the way to make an application for Social Security disability.

Work Credits

How many work credits you have to qualify for SSDI benefits depends on how old you were when you became disabled. For instance, if you are 50 years old when you become disabled, you need 28 work credits, or to have worked for seven years (and at least five of these years must have been within the last 10 years).

Medical Qualification

You also must have a medical condition that satisfies the SSA’s definition of incapacity. SSDI benefits are eligible only to those with a severe, long-term, total impairment.

Serious means that your condition must interfere with basic work-related actions.

Long-term means your illness has lasted is expected to last at least one year.

Total disability means that you aren’t capable of performing “substantial gainful activity” (SGA) for at least one year. In the event that you are now working and make over a particular amount ($1,170 per month in 2017 for handicapped applicants, $1,950 for blind applicants), the SSA will find that you’re performing SGA and that you’re not disabled enough to qualify for SSDI benefits.

Medical and Vocational Qualification

The claimant meets the test for either SSI or DIB, and once the fiscal conclusion is made, the claimant must then qualify medically and vocationally for a finding of impairment. In Social Security disability cases, the claimant should be determined to be totally disabled and unable to be gainfully employed. There’s no percentage finding, as in veterans service-connected compensation claims. Social Security is an all-or-nothing process. Advantages usually do not require a finding of permanent disability, nonetheless. Someone can receive benefits if he or even she is disabled for a minimum of 12 months.

These medical and vocational determinations are made in a succession of decisions referred to as the Five-Step Disability Determination Process. A claimant move on to the next phase must pass each stage in order, and finish out the process. In the event the claimant fails any period, the process stops and the claimant will undoubtedly be denied benefits. Each step is in the type of a question.

Bigger wages if ex has ‘departed’

And we have another dirty little secret for you. When you haven’t remarried, chances are your spouse is worth more to you dead than alive — especially if he or she was a high earner. Once an ex-spouse passes away, you’ll be treated just like a widow or widower. If you’re at least 60, you will have the ability to collect your late spouse’s benefit and permit your own benefit until you reach age 70, when you can switch if your own advantage is higher, to grow unclaimed.

Presuming your ex will dwell on Planet Earth to a ripe old age, the longer your ex-spouse delays asserting Social Security, the better it is for you. So, should you get a chance, encourage your ex-husband to work until age 70. Afterward, when it’s all over, you’ll get to claim half of her or his maximum Social Security.

More flexibility for widows and widowers

Social Security does a superb job of explaining widow and widower benefits, but it doesn’t clearly spell out a key difference between widow/widower benefits and spousal benefits. A widow/widower can begin benefits predicated on his or her own earnings record and later change to survivors benefits, or start with survivors benefits and after a switch to benefits based on her or his very own record even if the surviving partner is filing before full retirement age. You can not do that with spousal benefits.

When she is as young as 60, but only at a reduced rate, in other words, a widow can begin drawing on a survivor’s advantage on her late husband’s Social Security. Then she can elect to leave her own Social Security alone, allowing it to grow in value until her full retirement age — or even age 70. This works for widowers, too.