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.

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