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Can I Get Disability If I Never Worked

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Can You Get Ssd If You Dont Have Enough Work Credits

I am disabled, but I never worked. Can I get Social Security disability benefits?

You can not get social security disability if you dont have enough work credit.

The SSA or social security administration defines the criteria for qualifying for the social security benefits as having at least 40 work credits in your lifetime.

Social security benefits work like an insurance scheme. A person who works a job that pays enough salary to gain work credits can earn all 40 work credits in 10 years.

However, if you think that you can get the benefits just because you have gained all the work credits even after you have not worked for some years, then you are wrong. You need to keep paying in the system to get the benefits.

Another thing to note is that gaining more than 40 work credits doesnt make you eligible for more. No matter the work credit, you will get the same benefits. The minimum work credits required differ with age.

Q: What Happens If I Go To Jail While Receiving Benefits Do I Lose My Disability Benefits

The SSA does not give benefits to an individual who is incarcerated even if they are disabled. If you are receiving benefits and become incarcerated, the SSA will take away your benefits once you have been in jail for more than one month. However, if youll be incarcerated for less than a month, the SSA will not take away your benefits and they will continue as normal.

Can I Get Ssi Benefits If Ive Never Worked

Unlike SSDI, SSI does not depend on how much youve worked in the past. Instead, SSI is designed to help those who have limited resources and income. If youve never worked before, you could potentially qualify for SSI, as long as you meet the SSAs other eligibility requirements. Those requirements include:

That last point is the most difficult to meet, since the severity of your disability is evaluated on a case-by-case basis. The SSA has a list of Compassionate Allowances, which they use as a guideline to determine your disability. However, the SSA will also consider conditions that do not match the listings. To determine if you qualify outside of the List of Compassionate Allowances, you must prove that your condition is so severe that you cannot work, and the condition must be expected to last at least 12 months, or result in death. In addition to these three descriptions, you also need to fit the SSAs financial criteria for having limited income and resources. In other words, you cant be earning too much, and you cant have too many assets.

If you need help applying for SSDI or SSI, Disability Associates can help! We specialize in these two areas in fact its all we do! And you wont be charged unless we win your case. Visit our services page for more info, or contact us online today.

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What’s The Difference Between Ssdi And Ssi

Social Security disability insurance is a benefits program administered by the Social Security Administration . It’s like an insurance program for individuals who’ve earned enough “work credits.” Credits are earned by working and paying FICA taxes .

If you’ve worked long enough at a job where you paid Social Security taxes, you’ll have enough credits to be eligible for SSDI benefits. SSDI falls under Title 2 of the Social Security Act and is paid out of the Social Security trust fund.

Supplemental Security Income is a low-income disability benefits program also administered by the SSA. SSI helps disabled people with little income and few assets. It falls under Title 16 of the Social Security Act and is paid out of the general treasury, not the Social Security trust fund.

Getting Ssdi Benefits For Non

Can I Get Social Security Disability if I

Disabled workers can also get additional disability benefits for their children or spouses even if those family members are not disabled. The SSA commonly pays an additional 50-80% of the workers benefits to help support family members. This means you can receive disability benefits without needing a work history and without actually being disabled yourself, but only if they are paid because of your disabled spouse or parent.

Spouses qualify for additional benefits if they are 62 or older or if they care for your children . These are the situations where the SSA has determined spouses should get additional benefits, typically limited to 50% of what you receive for your own disability. Spouses can receive potentially higher benefits if they have their own work record, but even if your spouse has never worked, these benefits are available.

These benefits are even available to divorced spouses in some cases.

Benefits for children are also available when you receive SSDI even if your children have never worked. Benefits are typically available for children under 18. These benefits can be extended if your child turns 18 while they are still in high school, and they will end when they graduate/leave school or when they turn 19 .

Again, if the child is disabled themselves, they might qualify for their own benefits on your record.

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What Is Social Security Disability Insurance

Social Security Disability Insurance is a monthly benefit provided by the Social Security Administration to disabled workers and their dependents, similar to that paid to retired workers. Social Security Disability Insurance benefits are also sometimes referred to as Title II benefits or Disability Insurance Benefits .

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Ssa Income Limits For Disability Benefits

The 2015 monthly income limit for individual SSI claimants is $733. This number is called the Federal Benefit Rate, or FBR. The FBR represents not only the maximum earnings per month but also the maximum payment a claimant can receive each month. In other words, you can neither earn nor receive more than $733 per month. The FBR for couples is higher: $1,100 per month.

If you earn more than the FBR, dont panic. You could still potentially qualify, because some of your earnings dont count toward the FBR. The SSA uses a complex formula to determine how much of your income is countable, and certain portions of your income and earnings are excluded. For example, the SSA does not count any of the following:

  • The first $20 of your monthly income.
  • Income tax refunds.
  • Loans that youre responsible for repaying.
  • Need-based assistance you receive from the state of Pennsylvania or New Jersey.
  • The value of SNAP .

Finally, you must also have limited resources. Your resources include all and any of the following:

Get Advice From An Attorney

I’ve Never Worked. Can I Still Apply For Social Security?

If youre disabled and cant work, then receiving disability benefits is one of the best ways to support yourself. To get help with the process of applying and being approved for disability benefits, you need to work with the attorneys at The Law Offices of Dr. Bill LaTour.

Weve been helping disabled individuals in the Greater Los Angeles area, the Inland Empire, and Orange County receive the disability benefits they need for years. Call Dr. Bill LaTour and his team today at or to schedule a free consultation.

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How To File For Disability Without A Strong Work History

When filing for Social Security disability benefits, you must establish two things for the Social Security Administration . First, you must show that you are disabled according to their stringent definition of disability. Second, you must show that you are eligible for Social Security programs.

In the case of Social Security Disability Insurance , this is based on how much you have worked in recent years. For Supplemental Security Income , this means you must show that you have a financial need .

Filing for Social Security disability benefits without a strong work history is more difficult, but not impossible. While the SSA does require that you have worked, earned income, and paid into FICA in order to qualify for SSDI, the work requirements are not as stringent as you may think.

If you do not have a work history, you may still qualify for Supplemental Security Income . SSI is based on financial need, not on work history, allowing those who have not worked still qualify for benefits.

Regardless of your work history, you will still need to meet the medical requirements to qualify for Social Security disability benefits. This means you will have to meet the qualifications listed in the Blue Book for the condition you are experiencing.

Can I Still Receive Disability Benefits If I Haven’t Worked In Years

Many people are under the false assumption that the money they pay in FICA taxes goes into some kind of a savings account to be used later if they should need it for Social Security Disability. Nothing could be further from the truth. The money paid into FICA which is used to fund Social Security Disability Insurance benefits, is actually a form of insurance premium .

On account of this, like any other kind of insurance, you need to continue paying into the system in order to retain coverage. Just as our automobiles would not continue to be insured if we stopped paying premiums, we will eventually cease to be covered if we stop working and dont continue to pay into FICA.

When determining eligibility for Social Security Disability Insurance benefits, the past ten years are considered. In most cases, if you have not worked in the past ten years, you will be ineligible for Social Security Disability Insurance benefits. The actual amount you need to have worked in the past ten years varies depending on your age.

A worker in his early 30s needs to have worked and paid into FICA at least five of the past ten years to be eligible for Social Security Disability Insurance benefits. If you have not done so, you are generally not eligible for Social Security Disability payments.

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Can You Get A Disability If You Havent Worked In 2 Years

If you have enough work credits and can prove that your disability started before the Date of the last insured, you can get disability benefits even if you have not worked in 2 years. People are often under a false assumption that if they have worked for some years and paid the FICA tax, they can avail of the money anytime, whether they are presently working. To avail of the benefits of the SSDI, you need to keep paying the FICA tax as an insurance premium. If you have not been working for the past few years, your insurance will lapse, and you wont be eligible for the benefits.

Can I Work While I Am Receiving Ssdi

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If you start to work, your continuing entitlement to SSDI benefits depends on how much you earn. SSA defines “earnings” as the amount you are paid before taxes are deducted, not the net pay that you take home.

In 2018, if you earn $850 or less per month, your continuing eligibility for benefits is generally not affected. But if you earn more than $850 per month or if you work more than 80 hours per month in self-employment, you should be aware of the rules for a “trial work period.”

SSDI recipients are entitled to a nine-month Trial Work Period during which they can test their ability to work while continuing to receive full benefits, regardless of how much they earn. For 2018, SSA considers any month in which a person has monthly earnings of more than $850 a trial work month. If you are self-employed, any month in which you work more than 80 hours is a trial work month. The earnings threshold for a trial work month usually goes up a little each year.

SSA allows nine trial work months of unlimited earnings in any 5-year period. The nine months of trial work do not have to be consecutive. Following a trial work period, the first month in which your earnings exceed the substantial gainful activity level is the “cessation month.” In 2018, the SGA level is $1180 per month. You will continue to receive benefits for a three-month “grace period,” which includes the cessation month and the two following months.

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Is Your Condition Severe

Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering for at least 12 months. If it does not, we will find that you do not have a qualifying disability.

If your condition does interfere with basic work-related activities, we go to Step 3.

If You Live In Quebec

If you live in Quebec, you would not apply for the disability benefit under the Canada Pension Plan. You can apply for the Quebec Pension Plan disability benefit if one of the following applies to you:

  • you have worked only in the province of Quebec
  • you currently live in Quebec and have worked both in the province of Quebec and in another province or territory
  • you have worked in Quebec, currently live outside Canada and your last province of residence was Quebec

If you worked both in and outside Quebec

If you paid into both the Canada Pension Plan and Quebec Pension Plan, you need to apply to the province where you live now.

If you worked outside Canada

If you worked in a country other than Canada, the credits you earned in that country may help you qualify for the disability benefit.

If you worked less to care for young children

If you have periods of zero or low income because you stayed home to raise your children, the child-rearing provision could help you qualify for the disability benefit.

If you are divorced or separated

Any contributions you and your spouse or common-law partner made to the CPP while you lived together may be equally divided after a divorce or a separation. This may help you qualify for the disability benefit. Find out more about .

If you missed applying for disability benefits in the past

If you are applying for the disability benefit, but stopped working a while ago, you may still apply for a benefit now.

You may be able to receive the benefit if:

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Applying For Ssdi On A Parents Record

Disabled children can often receive benefits on their parents records, potentially on an ongoing basis. The rules are different for minor children and adult children, but both age groups can often receive ongoing benefits from SSDI on their parents record without needing to apply to need-based SSI programs.

Getting Help With Determining If You Worked Enough

Can I still get SSDI or SSI disability if I have never worked before?

Do you need help determining if you’ll qualify for Social Security benefits? You should contact a Social Security attorney or disability advocate. He or she can evaluate your claim and help you start the application process. You can also learn more about your eligibility by filling out a free evaluation form today.

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What Can My Attorney Do To Represent Me In My Disability Case

Every case is different. The nature of your attorney’s work will depend on the particular facts of your case. However, the attorneys at McGill & Noble will

  • Talk to you in detail about your medical history, symptoms, and limitations
  • Communicate with you regularly about your case throughout the appeals process
  • Review the evidence SSA has compiled on your claim
  • Gather medical and other evidence supporting your claim
  • Analyze your case applying social security law and regulations
  • Request reopening of a prior application, if appropriate
  • Present written and/or oral legal arguments
  • Prepare you to testify at your hearing
  • Protect your right to a fair hearing by objecting to improper evidence and procedures
  • Cross-examine medical and vocational experts whom SSA calls to testify at your hearing
  • Ensure that SSA correctly calculates your benefits
  • File appeals with SSA’s Appeals Council and federal court, if appropriate

Q: What Are The Fees Associated With Representation

Federally regulated by the SSA itself and applies to all attorneys or disability advocates, the attorney receives one-fourth of the back due benefits or $6,000 whichever is less if the claimant wins. Should the claimant lose the case, there are no fees involved and the attorney or advocate incurs all costs.

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Do I Need An Attorney

You have the right to have an attorney represent you in your Social Security Disability case. Government statistics show that claimants who have representatives are granted benefits at a rate nearly 3 times higher than those without representatives.

When hiring an attorney, keep in mind that not all attorneys practice regularly before the Social Security Administration, and even fewer are board-certified specialists. We believe that you are best served by an attorney familiar with the complex Social Security Disability regulations and procedures. Both attorneys in our firm have been certified as specialists in Social Security Disability law by the North Carolina State Bar.

Q: What Is Reconsideration

We Can Work It Out EP artwork

When a claimant is denied disability benefits at the initial stage, they have 60 days from the letter of denial to file a request for reconsideration. The SSA then sends the case to a different certified disability examiner for a second evaluation. Approximately 84% of the requests for reconsideration are denied. If the claimant is denied again, they have 60 days to file an appeal.

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