Social Security Disability Insurance Benefits

Social Security Disability Insurance pays benefits to you personally and certain members of your family in case you’re “insured,” meaning that you simply worked long enough and paid Social Security taxes.

SSDI How to Qualify

To qualify for Social Security Disability Insurance (SSDI) benefits, you have to be entirely disabled according to the Social Security Administration (SSA)s definition of total disability. You have to also have worked and paid Federal Insurance Contributions Act (FICA) premiums while you were working. Typically, when you have worked for an external employer in the United States, you’ve made FICA contributions (as has your company).

To qualify for total disability, according to the SSAs definition, you must be completely not able to perform any work that you have at any time performed in the past. This means that you will need to be unable to do the work on your present or last occupation. Moreover, the SSA must deem you incapable of adjusting to other work that is now accessible for someone of your physical and mental abilities and degree of education.

Qualification for Social Security Disability

To qualify for the SSDI system, you should have worked a particular number of years in a job where you paid Social Security taxes (FICA) taxes. Specifically, you must have earned a specific variety of work credits; you are able to earn up to four work credits each year. (Should you haven’t worked long enough when you become disabled, and have low income and assets, you can apply for Supplemental Security Income (SSI) instead.

See: Tips to Help Minimize Your Social Security Tax

Acceptance for Disability Benefits

In the event you are approved for disability benefits, you will not receive SSDI benefits until you’ve been disabled for five complete months. In case you have accepted right away (for example, since you just had a liver graft), you’d have to wait five months for your checks to begin.

Nonetheless, it is more likely you’d not be approved for about six months to a year (after at least one level of appeal). If so, when you eventually get approved, you would be paid disability back pay, to begin with, the sixth month following your disability started (your disability onset date).

After you’re paid any back pay owing, you’d get a disability benefit check each month. If your household income is over a particular sum, you may need to pay taxes in your disability benefits.

Denial of Disability Benefits

In case your application for SSD is denied (most first applications are), you can appeal the judgment. You’ve got to request a review of the refusal within 60 days of when you get the denial letter. Step one of the appeal procedure in most states is the Request for Reconsideration, an overview of your file by another claims examiner. If you’re refused again, you can appeal to another stage, by requesting a hearing with an administrative law judge who works for the SSA.

Who’s eligible for DI benefits?

The Social Security test of handicap is very strict. To be qualified for disability benefits, the Social Security law says that the applicant should be not able to engage in any substantial gainful activity by reason of any medically determinable physical or mental handicap which may be expected to result in death or which has lasted or is anticipated to last for a continuous period of at least 12 months. Additionally, the disability or combination of disabilities must be of such severity the applicant is not just unable to do his or her previous work but cannot, considering his or her age, education, and work experience, participate in almost any other kind of substantial gainful work which exists in the national market (Social Security Act, section 223(d)).

One is considered to participate in a substantial gainful activity if she or he makes more than a certain amount. If a non-blind individual earns more than $1090 a month in 2015, he or she wouldn’t be eligible for handicapped worker benefits. The sum is adjusted each year to stay informed about typical wages. (In a few instances gains can be reduced by the costs associated with work, such as paying for a wheelchair or services of an attendant. If deductible work expenses bring net earnings below $1,090 a month, the person can be eligible for benefits.) The substantial gainful activity amount for blind individuals in 2015 is $1,820 a month.

State agencies, operating under national guidelines, make the medical and vocational determinations for the Social Security Administration about whether applicants meet the evaluation of disability in the law. Medical records, work history, and also the applicant’s age and schooling are considered to make the determination.

Do you know the most common disabilities for DI receivers?

Many beneficiaries have several states. Of the nearly 8.9 million people receiving disabled worker benefits at the end of 2013, 31 percent had mental impairments as the principal disabling condition or principal diagnosis. They include 4 percent with intellectual disability and 27 percent with other mental disorders.

Musculoskeletal conditions such as arthritis, back injuries and other ailments of the skeleton and connective tissues were the main state for 31 percent of the handicapped workers. (Musculoskeletal conditions were more common among beneficiaries over the age of 50.) About 8 percent had heart disease or alternative ailments of the circulatory system as their main identification. Another 9 percent had disabilities of the nervous system and sense organs. The remaining 21 percent comprise those with injuries, cancers, infectious diseases, metabolic and endocrine disorders, for example, diabetes, diseases of the respiratory system and disorders of other body systems. Additionally, many beneficiaries have life-threatening afflictions: about 1 in 5 men and almost 1 in 6 girls who enter the application expire within five years.

Who Pays for Disability Insurance Benefits?

Workers and employers cover the DI plan with part of their Social Security taxes. Workers and employers each pay a Social Security tax that’s 6.2 percent of workers’ gains up to a cap of $118,500 in 2015. The limit is adjusted annually to keep pace with average wages. Of the 6.2 percent, 5.3 percent goes to pay for Social Security retirement and survivor benefits and 0.9 percent pays for disability insurance. The combined tax paid by workers and companies for disability insurance is 1.8 percent of wages, while the combined tax for retirement and survivor benefits is 10.6 percent, for a total of 12.4 percent.

Social Security Disability Insurance (SSDI) vs. Private Disability Insurance

All workers risk losing income because of being handicapped but few have carefully examined the advantages of private disability insurance vs. Social Security disability insurance (SSDI). In general, disability insurance of any kind can help to lessen the economic adversity faced when one becomes unable to work because of a handicap. While SSDI provides significant protections to workers who have contributed to Social Security it requires meeting a rigorous definition of total disability. In many situations, private disability insurance may offer more liberal coverage and advantages that are bigger.

What’s Social Security Disability Insurance?

Social Security uses a strict definition of disability which excludes both short-term incapacity and partial impairments.

Social Security pays only for total incapacity. No benefits are payable for partial disability or for short-term incapacity.

“Handicap” under Social Security is based on your inability to work. You’re considered to really have a disability under Social Security requirements if:

  • You cannot do the work you did.
  • You cannot adapt to other work due to your medical condition(s).
  • Your disability has lasted or is anticipated to continue, for at least one year, or to result in death.

The program rules assume working families have access to other resources to provide support during intervals of short-term disabilities including:

  • Workers’ compensation
  • Insurance
  • Savings
  • Investments

The Social Security Administration refuses two-thirds of all disability claims primarily because of this strict definition of handicap.

Statistics demonstrate 60 million people, or more than one in every six American residents, collected Social Security disability insurance benefits in June 2015. While 75 percent of them received benefits as retirees or elderly widow(er)s, 18 percent (11 million) received social security disability insurance benefits, and three percent (two million) received benefits as youthful survivors of deceased workers.

What’s Private Disability Insurance?

About 30% of workers have disability insurance provided through their work. Many others decide to purchase private disability insurance themselves to safeguard against unforeseen loss of income or to supplement other insurance plans. Private disability insurance can provide significant advantages over SSDI, although the terms of insurance policies can vary greatly from plan to plan.

One of the best advantages of private disability strategies is their more expansive definitions of impairment. While SSDI demands a showing of total disability, many plans will pay benefits without requiring a person to show that she or he is able to do no work in the slightest. While definitions vary from plan to plan, three are common:

  1. “Own occupation” coverage ensures policyholders against impairments that keep them from performing the duties of their occupation.

  2. “Own occupation” coverage with time limits ensures policyholders when they cannot perform their occupational responsibilities, but for a small time. These policies generally contain a “Change in Definition” feature where, after a certain amount of time, the conventional moves from “own occupation” to “any profession.” Most commonly, this is after two, one, or five years.

  3. “Any occupation” coverage explains impairment as being not able to perform any job. This is really similar to that and a much stricter definition.

Under the first two of these definitions would be considered disabled, at least for a time. She would be able to receive without needing to show that she could do no work whatsoever benefits to replace her lost income.

Another advantage to private insurance is that it might replace a greater part of someone ‘s lost income than SSDI would. SSDI benefits are based on your average lifetime earnings and could not surpass $2,642 a month in 2014. People with private insurance could possibly have the capacity to receive more than this. Many policies cover around 70 percent of a worker’s wages at the time when their impairment appears.

How is Social Security Disability Insurance distinct from private disability insurance?

There are two big ways that SSDI and private disability insurance differ. The largest difference is that private insurance is much more easy to qualify for. So long as you work in a career that is comparatively safe and are pretty healthy, you’ll be able to buy affordable long-term disability insurance. Even if you’re not healthy or you also work in a dangerous job, you can often still get private insurance (though it might cost more).

See more: Things that You Ought To Know About Medicare

The other big difference is that you don’t need to be completely disabled in order to collect from a private disability insurance plan. When you have an “own profession” rider — a common attribute in handicap coverages — a benefit will be paid by the insurance company as long as you cannot work in your primary occupation. In the event you were a lawyer, for instance, as well as you were prevented by a disability from practicing law but did not keep you from teaching part time, your insurance provider would pay your own monthly benefit.

There are some smaller differences also, especially relating to how they influence your social security benefits as well as how private benefits and SSDI benefits are taxed. The rules change depending on what type of private insurance policy you have as well as are different in every state.

Social Security Expert Levels of Experience

Social Security Specialist Rates of Expertise

Should you believe you’re just too late to hop on the Social Security bandwagon in light of the scheduled removal of two vital Social Security claiming strategies, you could not be more erroneous.

Helping customers decide the most effective time to maintain Social Security benefits to accommodate their personal situation will continue to be a vital component of a strong retirement income strategy. And given the present confusion over promising alternatives, it is the ideal time to brush up on essential Social Security rules so you could answer your clients’ and prospective customers’ questions.

The capability to file and suspend benefits at age 66 finished on April 29. Individuals who filed and suspended their benefits before the deadline are grandfathered under the previous rules that permit a worker to activate benefits for an eligible relative, including a spouse or minor dependent child, while his or her very own retirement benefit keeps growing by 8% per year up until age 70.

People who filed and frozen their benefits by April 29 additionally keep the right to request a lump sum payout of all suspended benefits rather than collecting the delayed retirement bonus the desired choice for single customers.

Under the brand new rules, workers can nevertheless elect to freeze their benefits at full retirement age or later as a way to get delayed retirement credits, but no one is going to manage to collect benefits during the suspension period as well as the lump sum payout choice will evaporate.

However, an extremely strong maintaining strategy stays for married couples and eligible divorced partners that’ll enable one spouse to claim just spousal benefits worth 50% of the employee’s benefit amount at full retirement age and switch to their very own maximum retirement benefit at 70. In the event of divorced spouses who were married at least 10 years, each individual has the capacity to claim spousal benefits on the other’s earnings record.

Yet, only individuals who were 62 or older by Jan. 1, 2016, will be able to file a limited application for spousal benefits when they turn 66. Younger workers won’t ever have the ability to apply this precious asserting alternative. Still, that leaves almost eight years for clients to utilize this strategy as the final wave of eligible claimants will turn 66 on Jan. 1, 2020, and they will be able to claim spousal benefits for four years before claiming their own maximum retirement benefits at 70.

Deciding the very best time to claim Social Security benefits will stay an important decision even for all those customers that aren’t able to take advantage of these creative claiming strategies. Well-Being, family history of longevity, accessibility to other bonded kinds of income for example pensions and annuities, required minimum distributions, tax effects and retirement income needs are all important factors when choosing the very best time to claim Social Security benefits.

See: Social Security Disability Insurance (SSDI) vs. Private Disability Insurance

When is The Best Time to Maintain Social Security?

Would-be retirees are simply turning to an increasing variety of internet programs to answer that question and squeeze the maximum out of their Social Security benefits. For couples, the promising choice could be especially complicated due to the access to spousal benefits and also the requirement to think about the fiscal security of the survivor.

From AARP, the lobbying group for elderly Americans; T. Rowe Price Group Inc., the Baltimore-based investment manager; and three sites began by;, from Economic Security Planning Inc.; and, from SocSec Analytics LLC. The AARP and T. Rowe Price programs are free; the others charge a fee.

At each site, they input info for a fictional couple, Bob, and Wendy, each age 65. At age 66their complete retirement ageBob and Wendy are qualified for monthly Social Security benefits of $2,182 and $815, respectively. The two believe they’ll both live to age 85.

The challenge: Identify a maintaining strategy likely to produce the most money over both spouses’ projected life spans.

Simple and Educational

In the long run, all five applications created similar asserting strategies and similar amounts, with planned lifetime benefits which range from $763,222 to $773,500. (All amounts are in 2013 dollars.) Each tool has benefits and drawbacks, but all of them prepare users about maintaining strategies that lots of folks do not understand are accessible.

For example, an individual who first asserts Social Security at his total retirement age may have a selection of gains: one based on his own earnings record or a spousal benefit. If he picks the spousal benefit, he is able to change at some future date to his own advantage, that will have grown bigger thanks to his delay in accumulating it. Measures such as these can help optimize a claimant’s life payout.

All five plans proved comparatively simple to browse. Within a few moments of prompting a user to input their date of birth and estimated monthly Social Security benefit, too as the ones of a partner, each creates clear recommendations.
While all five tools provide help for both single and married individuals, T. Rowe Price does not now manage projections for widows, widowers, divorced folks or partners more than six years apart in age.

Even Pros Do Not Comprehend the New Social Security Rules

It’s been more than three-and-a-half months since President Obama signed the new Social Security rules into law. More than enough time for the Social Security Administration to provide clear guidance to customers, in addition to its own employees, concerning the effect of these reforms will have on millions of Americans.

Yet so far, Social Security has offered nothing. Yes, the bureau recently sent out two “crisis messages” to its staffers about two essential aspects of the new law on about so called deemed filings as well as the second about freezing benefits. (More about those problems in a moment.) However, these messages only demonstrate my point. Only try and read them. The jargon-filled language is rough sledding, even for Social Security pros.

7 Social Security Benefits You Might Not Know About

  • Myriad ways to assert the goodies
  • Gambling against departure
  • A benefit for delaying divorce
  • Larger compensation if ex-has departed
  • More flexibility for widows and widowers
  • SSDI measure 1: Hire help
  • 35 years is the magic number

Maybe you have found yourself staring blankly at the FICA tax advice on your own pay stub, and wondered how that affects your future retirement benefits? You’re not alone. Untangling the frequently baffling facets of Social Security benefits are sometimes a daunting job, particularly because you won’t get much case-specific guidance from the Social Security Administration. From studying your choices to hiring a professional, use every one of the strategies and resources available to create this significant financial choice simpler.

Social Security Online Helps All Ages

They’re retired Social Security workers with over 60 years of combined expertise. They held the direction places in a District Social Security Field office during the time of your retirement. They developed this nongovernmental site as an outlet to get fast and precise replies to your Social Security questions. They understand you cannot consistently get this from Social Security.

Personalized Investigation

Do you need the advice to assist you in determining the most effective strategy for optimizing your advantages? They’re able to prepare a personalized retirement investigation that supplies collection strategies and data about filing deadlines. Their fee for this particular service is $300. You’ll not be let down as they supply comprehensive information about each group strategy including when and just how to file for your benefits.

Tips to Help Minimize Your Social Security Tax

Up to 85% of your gains may be subject to national tax, although you paid into the Social Security system all your life. Tax preparation can ease the pain.

The tax success will depend on marital status and your income. First figure your modified adjusted gross income, including nonsocial Security sources of taxable income, including interest, wages, pensions, and dividends. Add in tax-exempt interest and certain other exceptions from income. Itemized deductions will not help you in this computation.

Then add one-half of the Social Security benefits you receive for the year the total is your “provisional income.” Then have a look at the internal revenue service ‘s “base amounts” for taxing Social Security. The base amounts are $32,000 for married couples filing jointly and $25,000 for single filers.

When Social Security isn’t Taxable

For retirees who receive Social Security income with little to no auxiliary inflow of money, either from alternative earnings or retirement plan distributions, most likely those benefits aren’t taxable. The typical benefit is just under $1,300 each month, totaling $15, currently, 600 benefits and per annum, taxable when combined exceeds $25,000 for single retirees or $32,000 for couples filing. joint tax returns People who can keep the kind of lifestyle they desire or require on such a level of income don’t pay taxes on their Social Security benefits.

Taxable Social Security Income

For Social Security benefits people must have income over the threshold. This really relies on total combined income, computed as half of her or his Social Security benefit and a person ‘s adjusted gross income plus nontaxable interest gains. If joined income for a single person is 000, or above $32, $34, above $25,000 but below 000 but below $44,000 for married couples, 50% of Social Security are that were benefits taxed. Joined income above these maximum amounts results in benefits. At this time, there is no income amount that creates a scenario where Social Security benefits are 100% taxable for retirees.

Purchase a QLAC

You can invest up to $125,000 from your IRA or 401(k) in a special version of a deferred-income annuity called a Qualified Longevity Annuity Contract (QLAC). Cash in a QLAC is overlooked when figuring your RMD, so you decrease your income, can decrease the size of your RMD and cut your tax bill. Payouts don’t begin for many years late as age 85 – when they will be included in your taxable income. See New Annuity Merchandise Offers an Income Stream for a Very Long Life for more information.

Manage your income to restrict taxes

As a way of minimizing tax liability, tax planning professionals often advise customers to reduce their income that is provisional. “When you plan for retirement,” says Vinay Navani, CPA with bookkeeping and consulting firm Wilkin & Guttenplan, “you have to consider when it comes to multiyear projections.” For instance, if you foresee a big one-time event like the sale of a business, you might be more fortunate structuring the deal as financing to be repaid over several years instead of an all-cash transaction. For sales of stock positions that are big, contemplate selling slowly over several years to minimize the effect in any one year.

Understand the regulations

If your plan is to work past full retirement age, consult a tax advisor to analyze the possible tax consequences if you were additionally to receive Social Security income. It’s possible for you to make use of the worksheets in Internal Revenue Service Publication 915 to assist you to compute your tax liability. Additionally, assess whether your state levies taxes on Social Security benefits. The very best opportunity to cut back taxes comes in the event you know what to anticipate and plan accordingly.

Before retiring, pay off your mortgage

One method to minimize your own monthly expenses is to pay off your mortgage before retirement. Your mortgage is generally your largest monthly bill, and if you can dispose of that, you’ll have a lot more flexibility in retirement. It bad that more and more people are taking a mortgage into retirement. It difficult to minimize tax in case you are required to take a large sum to settle the monthly mortgage.

Diversify your after-retirement income

As you are able to observe, it’s significant to diversify your after-retirement income. Retirees can have income from Social Security, pensions, leases, taxable brokerage accounts, tax-free Roth accounts, saving accounts, bonds and more. These incomes can be completely taxed, taxed in the long term capital gains rate, partially taxed (Social Security benefit) or not taxed whatsoever. Keeping your income that is taxable in the 15 percent tax bracket will help you minimize the amount of tax you pay for a long time to come. Give yourself more options by economy while you are working, and investing in all these accounts.

Obviously, there are several other methods to decrease your taxable income, for example taking some investment losses and donating to charity. Nonetheless, keeping your expenses after retirement is the secret to minimizing taxes. You won’t need to draw a lot from the accounts that are fully taxable in case your yearly expenses are low. Work by means of your tax accountant now to be sure you do not pay Uncle Sam more than you’ve to when you’re retired.

Common Reasons Why Social Security Disability Claims are Denied

A Social Security Disability claims being denied is not a unique situation. Some are turned down for financial reasons. Others are denied because of the claimant’s health status.

In case you have applied and been refused social security disability (SSD) benefits, some are left to wonder why? While there are various reasons for the Social Security Administration (SSA) denying a claim, there are some common reasons this could have happened. Read below to learn about reasons your social security disability would be denied.

You Get Too Much Income

For SSDI, which is the benefit program for workers that have paid into the Social Security system over multiple years, one of the very basic reasons you might be refused benefits is that, when you apply, you are working above the limit where it is considered “substantial gainful activity” (SGA). This implies you get too much money to be considered disabled. You’re allowed to work a little amount when you’re applying for and collecting SSDI, but not over the SGA limit, which is $1,170 per month in 2017 (for nonblind individuals). The figure is adjusted annually. Income from investments doesn’t count toward the SGA-only work income counts, as it shows your capacity to work. For the details, including what counts as SGA for the self-employed.

As to SSI, which is the disability benefit for low-income folks, when you apply for SSI, you can’t be making over the substantial gainful activity level (although after approval you can make more cash than that). But there’s a limitation on all earned and unearned income for SSI, around $1,500 per month, that implements both when you are applying for benefits and when you’re collecting benefits. And anytime your income is over $740-$800, your SSI payment will likely be reduced, by a somewhat complicated formula. Would be reduced to zero; in payment in the event you make about $1,500 or more, your other words, you won’t qualify for SSI.

Failure to Comply with Consultative Exams

You might be requested to attend a special exam performed by a third-party medical pro. In case you neglect to show up for the examination, you’re guaranteed you’ll be denied.

Lack of Hard Medical Evidence

To be able to justify paying a Social Security Benefits to claim out, the SSA requires considerable medical documentation in order to demonstrate you have a medically legitimate reason to avoid working. Officials assess the available evidence to paint a picture of all of your medical circumstances, including records from all medical professionals who have been treating you when determining eligibility. You may be able to work with your doctors to present additional evidence that’ll validate your claim if you are initially refused because of lack of hard medical evidence.

You Do Not Cooperate With the SSA

When working up your Social Security disability claim the disability examiner for the SSA will wish to order medical records from your medical providers and the claimant needs to work by signing medical authorizations enabling the SSA to obtain your medical records that are applicable. Further, the SSA may schedule one or more Consultative Examinations (CE) with a doctor that the SSA pays for to get advice regarding your medical conditions and residual functional restrictions. Your claim might be denied due to inadequate medical documentation, in case you refuse to show up for scheduled CE’s or refuse to submit to a CE.

Short-Term Affliction

Social Security disability benefits are only granted to individuals whose disability or injury will prevent them from working for a significant period of time. Usually, your condition must be expected to continue for at least one year in order for you to qualify for benefits. If your condition probably will improve with last or treatment for significantly less than a year, your claim might be refused.

This concern is most important in claims based on acute injuries, like broken bones, rather than continual medical conditions or mental handicaps.

Make sure that your claim meets the minimum requirements discussed above to reduce the risk of a claim deniable, in the event that you are still preparing your Social Security disability claim.

You Fail to Follow Prescribed Therapy

In the event that you are being treated by a physician, but fail to follow the doctor’s prescribed therapy when you have the capacity to do this, you may be denied disability benefits. However, the SSA recognizes particular valid justifications for failing to follow the physician’s orders (which can be for taking medicine, going to treatment appointments, or undergoing surgery).

Okay, medical excuses. Failure to follow prescribed therapy could be excused for reasons beyond your control. Some examples follow.

  • You are in possession of a mental illness so intense that you cannot comply with prescribed treatment.
  • You own a fear of operation so intense that surgery would not be suitable. Your treating doctor must support the harshness of your fear to the DDS consulting physician.
  • You physically cannot follow prescribed therapy without support for example, because of paralysis of the arms or cataracts brought on by diabetes.

Okay, nonmedical reasons. It is possible that you can’t follow a prescribed treatment for a motive that really has nothing to do with your medical condition. Satisfactory nonmedical explanations for neglecting to follow prescribed therapy follow.

  • You don’t have the money to pay for treatment.
  • Your religious beliefs prohibit you from receiving medical treatment.
  • Your doctor prescribes treatment that another physician disagrees with. 

Moreover, for the SSA to deny your claim for failing to follow therapy, the treatment that you don’t follow must be one that is definitely anticipated to restore your ability to do substantial gainful activity. In case your treating doctor tells the SSA that the prescribed therapy isn’t likely to result in your capability to work, the SSA will not fault you if you do not follow such treatment.

Different Tips to Win Social Security Disability

A percentage of individuals experiencing significant medical and/or mental ailments may not ever win their Social Security disability or SSI benefits. Unfortunately, it isn’t enough to have a severe impairment to win disability benefits from the social security management. Both Social Security disability programs (SSD and SSI) have rules and regulations that govern both handicap and non-medical impairment requirements that must be satisfied to be able to win Social Security or Supplemental Security Income.

Claims for Social Security Disability Insurance – which pays out $143 billion annually to more than 11 million Americans unable to work due to a serious illness or impairment – have been ticking upward. The Social Security Administration received nearly 2.7 million applications for the software in 2013, up from 1.9 million a decade earlier, according to its most recent annual report.

The rate of applicants who are ultimately approved, however, has remained slim – averaging just 36 percent for claims filed from 2004 to 2013, as stated by the report. About a quarter are given benefits on their initial claim, while another 2 percent are approved on 11 percent and appeal at hearings.

Request Appeal on Time

After every conclusion, you have only 60 days to submit your appeal in writing. If you wait more than 60 days to request an appeal, your appeal will most likely be dismissed. At the first three degrees of appeal (reconsideration, ALJ hearing, and Appeals Council review), you must file your appeal by submitting special forms. You can find these forms on the SSA website or by stopping by your local Social Security office.

Write an Appeals Letter

The Social Security forms for appealing a decision give you just several lines to write your explanation on why you think the choice was incorrect, but you should feel free to write the phrase “see attached page” on the form and submit a letter along with the form that carefully outlines the problems you see with the judgement.

The denial letter you received from the SSA that denied your eligibility for benefits will include an “explanation of determination,” which is sometimes called the “disability determination justification.”

This explanation of decision will include issues such as what sources the SSA used to assess your claim, why the SSA denied your claim, what handicaps the SSA assessed, and a description of your medical condition. If anything is incorrect or missing in your explanation of conclusion, include this in your letter to the SSA. Also submit any statements, records, or other information that makes your claim stronger.

Start Right Away

Don’t wait until your financial resources become tight. Success in your claim is based only on your handicap, not on how much money you have in the bank. In the event you need to request a hearing or appeal an unfavorable decision from the Social Security Administration applications can take over a year to process, and up to two years. You don’t have to deplete all of your assets to be able for Social Security disability. It’s possible for you to receive benefits from multiple sources at precisely the same time without affecting your Social Security Disability claim.

Record all your disabling symptoms and afflictions

Every symptom, physical or mental, may be related to your claim. Many medical impairments result in psychological strain, and often there are powerful emotional and mental components to disabling illnesses. If you are undergoing any type of mental strain or pressure following your disability, or if you’ve been diagnosed with depression or anxiety, document your mental state in your handicap notebook/journal.

Contact an attorney to help you file your claim

Attorneys who represent you to the Social Security Administration and Veteran’s Administration ordinarily are paid in the event you win an attorney fee that’s a portion of your benefits. This means that it doesn’t cost you any cash up front to get help in filing and asserting your claim. An attorney can assist you through the entire claim process from filing to appeal. They are trained and practiced at arguing your case in front of an administrative decision maker or before a judge in the hearing, collecting medical records and evaluations from medical providers, and navigating the complicated forms that have to be filled out. Legal counsel can even help you file an appeal if your claim is refused provided that you file an appeal in time.

Continue medical treatment for your disabling medical difficulties

It’s important that you just continue to receive and document the clinical treatment that you are receiving, even if you lose your medical insurance. Oftentimes, you can obtain free medical services through your local free clinic or regional hospital clinic. Ensure your doctor writes down your symptoms and problems, and explain to him how these symptoms affect your work throughout the house, your interactions with your family, and how you get around. These written records are critical to the eventual success of your claim. Without written records explaining how your functioning affects, you are going to be at a disadvantage when trying to establish your disability.

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.