What’s Social Security Disability Insurance

Social Security Disability Insurance (SSDI, sometimes also abbreviated as SSD) is a Social Security program that pays you monthly benefits if you become disabled before you reach retirement age and aren’t unable to work. Many people know it as “workers impairment.”

Qualification for Social Security Disability

To qualify for the SSDI program, you must have worked a certain number of years in a job where you paid Social Security taxes (FICA) taxes. Particularly, you should have earned a certain variety of work credits; you can earn up to four work credits each year. (In case you haven’t worked and have assets and low income, you can apply for Supplemental Security Income (SSI) instead.)

Work Credits

How many work credits you need to qualify for SSDI benefits is dependent upon how old you were when you became disabled. For instance, if you’re 50 years old 28 work credits are needed by you, or to have worked for seven years (and five of those years must have been within the last 10 years) .

Medical Qualification

You also must have a medical condition that matches with the SSA’s definition of impairment. SSDI benefits are eligible only to those with a severe, long-term, complete impairment.
Severe means that your illness must interfere with basic work-related tasks.
Long-term means your condition has lasted is expected to survive at least one year.

Total disability means that you aren’t competent to perform “substantial gainful activity” (SGA) for at least one year. If you’re currently working and make in 2014 for handicapped applicants per month over a certain sum ($1,070, $1,800 for applicants that are blind), the SSA will find that you are performing SGA and that you are not disabled enough to qualify for SSDI benefits.
For more information on whether you qualify medically for SSDI, see Medical Eligibility for Disability Benefits.
Acceptance for Disability Benefits

You will not receive SSDI benefits till you have been disabled for five whole months, if you are approved for disability benefits. If you are approved right away (because you just had a liver transplant), you would need to wait five months for your checks to start.

However, it’s more probable you would not be approved for about six months to a year (after at least one level of appeal). In that case, when you eventually get approved, you’d be paid disability backpay beginning with the sixth month after your disability started (your disability onset date).

You’d get a disability benefit check each month, after you’re paid any backpay owing. If your household income is over a certain sum, you will need to pay taxes on your disability benefits.
Your family might also be eligible for a monthly benefit that is partial. To learn more, see How to Get Disability Benefits for Your Dependents.
It’s possible for you to keep receiving SSDI as long as your medical condition prevents you from working. The SSA will perform a continuing disability review (CDR) on your file every one to three years to ascertain if your illness has improved.

Denial of Disability Benefits

If your application for SSD is refused (most first applications are), you can appeal the decision. You have to request a review of the refusal within 60 days of when you receive the denial letter. The first step of the appeal process in most states is the Request for Reconsideration, a review of your file by another claims examiner. If you’re refused again, you can appeal to the next period, by requesting a hearing with an administrative law judge who works for the SSA.

What Are Supplemental Security Income (SSI) Disability Benefits?

SSI, or Supplemental Security Income, is a needs-based program that provides a monthly check to individuals who are blind, elderly, or have a disability. For disabled people who have never worked, or those who haven’t worked enough in the recent years to qualify for SSDI (Social Security Disability Insurance), SSI might be the only application accessible to them. However, the SSI plan is tough to qualify for fiscally, as it’s quite low income limits and strength limits.

How Much Does SSI Pay?

The monthly payment sum for the SSI program is based on the “national benefit rate” (FBR). In 2014, the FBR is $721 per month for couples for individuals and $1,082 (and the FBR grows annually if there is a Social Security cost of living adjustment).

The FBR is the maximum national SSI payment that is monthly. Income minus specific exceptions, can be subtracted from your national monthly SSI payment. Additionally, state money can be added to your monthly payment that was national.

State Additions

In most states, there is a state supplement, which is added to the federal benefit payment. Every state except Texas, Arizona, Arkansas, Georgia, Mississippi, Oregon, Tennessee, and West Virginia adds cash to the federal SSI payment. The amount of the state accessory varies between states, from $10 to $200, and in addition depends on whether you’re single or married and whether you are living in a nursing home, assisted living, on your own, or with others. For more information, see our post on the state supplementary payment.

Earned Income Exclusion

If income is earned by you, you are allowed to deduct a certain amount of the income before it gets subtracted from your SSI payment. You can subtract $65 of your earned income, plus another $20 for earned or unearned income, then subtract half of the remainder –that is the amount you can deduct from your income. Only the remainder of the income will be subtracted from your SSI payment.

In Kind Support and Maintenance

If you receive SSI benefits and someone provides you with shelter or food that you don’t pay for, the Social Security Administration (SSA) will count this as income and substract it from your SSI payment. To put it differently, it reduces your monthly SSI payment to account for this in kind support and maintenance, since the SSA considers that you do not need the full SSI payment since you’re receiving some food or shelter for free. For more information, see our article on income and in kind support affects your SSI payment.

Concurrent SSI and SSDI Benefits

For those applicants Supplemental Security Income does exactly what its name suggests. It nutritional supplements. For example, if an approved disability claimant receives SSDI monthly benefits in the sum of $396, an SSI award could be used to ensure that the claimant’s total monthly benefits equal the minimum SSI amount, which is now $721 per month. The SSDI recipient would receive an added $325 in SSI a sum equal to the complete SSI monthly benefit amount.

Of course, this scenario isn’t going to occur in every such case. Because SSI has resource (asset) limitations (currently, an individual cannot have more than $2,000 in disposable assets), many SSDI claimants won’t be eligible to receive Supplemental Security Income, no matter how low their SSDI benefit amount is.

What’s the Difference Between Social Security Disability (SSDI) and SSI?

The primary difference between Social Security Disability (SSD, or SSDI) and Supplemental Security Income (SSI) is how SSD is accessible to workers who’ve collected a sufficient variety of work credits, while SSI disability benefits are available to low income people who have either never worked or who haven’t earned enough work credits to qualify for SSD.

While many of us do not distinguish between SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance), they’re two completely different governmental programs. Medical eligibility is determined in the same way for both programs, and while the Social Security Administration oversees and managed both plans, there are distinct differences between the two.

What exactly is SSI?

Supplemental Security Income is a program that is just demand-based, based on income and assets, and is funded by general fund taxes. SSI is called a “means-tested software,” meaning it’s nothing related to work history, but strictly with financial need. To match with the SSI income conditions, you must have less than $2,000 in assets (or $3,000 for a couple) and a very limited income.

Disabled people who are eligible under the income conditions for SSI are also able to get Medicaid in the state they reside in. If you loved this posting and you would like to get extra details concerning social security lawyers (Visit Webpage) kindly check out our web site. Most people that qualify for SSI will also qualify for food stamps, and the sum an eligible person will receive is dependent on where they reside and the sum of routine, monthly income they’ve. SSI benefits will begin on the first of the month when you first submit your application.

What exactly is SSDI?

Social Security Disability Insurance is funded through payroll taxes. SSDI receivers are considered “insured” because they’ve worked for a certain number of years and have made contributions to the Social Security trust fund in the form of FICA Social Security taxes. SSDI candidates must be younger than 65 and have earned a certain number of “work credits.” (To learn more, see our post on SSDI and work credits.) After receiving SSDI for two years, a disabled person will become eligible for Medicare.

Under SSDI, a disabled person’s spouse and children dependents qualify to receive partial dependent benefits, called auxiliary benefits. Yet, only adults over the age of 18 can receive the SSDI disability benefit.

There’s a five-month waiting period for benefits, meaning the SSA won’t pay benefits for the first five months to you after you become disabled. The amount of the monthly benefit after the waiting period is over depends on your earnings record, much like the Social Security retirement benefit.