What about Social Security disability benefits?
UPDATED: October 3, 2011
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“Disability benefits” refers to a United States government disability insurance program called, colloquially, social security disability. Like retirement benefits, disability benefits only pay out to United States workers who meet certain qualifying criteria, and only under certain qualifying circumstances.
What programs pay out disability benefits?
Social security disability benefits are paid out through two federal programs: the Social Security Disability Insurance (SSDI) Program and the Supplemental Security Income (SSI) program. There are also state disability insurance programs with varying requirements. All programs pay out insurance benefits to people whose medical conditions prevent them from working their normal work schedules.
Qualifying for Disability Benefits
To qualify for social security disability benefits, you must have "a physical or mental impairment that is expected to keep you from doing any substantial work for at least a year" - or a condition that is expected to result in your death. Generally, $1000 or more of monthly earnings are considered to be "substantial."
When applying for Social Security benefits, you will be required to produce documents such as:
(1) your social security card
(2) your birth certificate
(3) marriage certificate (if based on your spouse's social security account), and
(4) your most recent W-2 form if you are an employee or your most recent federal income tax return if you are self-employed.
Additional documents may be required by the Social Security Administration - if so, they will let you know what they need. Even if you do not have all of the required documents currently in your possession, go ahead and start the application process - the Social Security Administration can assist you in getting the documents during the application process.
When Should I File My Claim?
You should file a claim for disability benefits as soon as possible. Although in most cases the monthly disability benefits do not begin until the sixth full month of your disability, you can get the process started so that when the waiting period is satisfied, the benefits can be paid. For some types of disabilities, it is also possible to obtain something called “presumptive social security benefit payments.” These are monthly benefits that are paid out on the presumption that your application (as it appears on the surface) will be approved for disability payments. Only very serious cases of disability will generally be approved for presumptive payments.
Can I Be Disqualified for Social Security?
Social security disability benefits can be reduced if you get workers' compensation or other government disability benefits. The sum of all disability payments to you and your family is not supposed to exceed 80% of your averaged earning before you became disabled.
Social security disability benefits continue unless your condition improves or you return to substantial work. There are special rules which offer incentives to disabled persons to try working without the risk of a sudden loss of the monthly benefits and the Medicare coverage.
There are services available that assist people with applying for (or even just understanding) the many types of social security programs – especially social security disability insurance programs. If you need further assistance, you should view the federal government’s social security services site at www.socialsecurity.gov,