Can I Collect My Husbands Ss At 62
You can claim spousal benefits as early as age 62, but you wont receive as much as if you wait until your own full retirement age. For example, if your full retirement age is 67 and you choose to claim spousal benefits at 62, youd receive a benefit thats equal to 32.5% of your spouses full benefit amount.
How Are Disability Insurance And Supplemental Security Benefits Funded
Disability Insurance is funded by payroll tax contributions from workers and their employers. Workers currently pay a tax of 0.9 percent of their wages up to $113,700, and their employers pay an equal amount. These tax contributions go into the Disability Insurance trust fund. Funding for Supplemental Security comes from the federal income tax and other federal revenues.
The Social Security Administration administers both of these programs. State agencies, usually called disability determination services, make the initial determination of whether applicants meet the disability standard. These state agencies are federally funded and follow federal guidelines.
What Is The Disability Standard For Disability Insurance And Supplemental Security
Disability Insurance and Supplemental Security are reserved for workers with the most severe disabilities and conditions, and both use the same strict disability standard: inability to engage in substantial gainful activitydefined as being able to earn $1,040 a month in 2013due to one or more severe physical or mental impairments that are expected to last at least a year or could result in death. A workers impairment or combination of impairments must be so severe that the applicant is not only unable to do his or her previous work but also unableconsidering his or her age, education, and work experienceto engage in any other kind of substantial gainful work that exists in significant numbers in the national economy.
Medical evidence is the cornerstone for the determination of disability in both programs. To qualify, there must be medical evidence from a doctor, specialist, or certain other licensed or certified medical sources that documents a severe impairment. Evidence from other health care providerssuch as nurse practitioners or clinical social workersis not sufficient to document a severe medical impairment. And statements from the applicants themselves, their families, co-workers, friends, or neighbors are not treated as medical evidence.
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Does Disability Pay More Than Social Security
Applying for Disability benefits has a reputation as a time-consuming and inefficient process. Consequently, many people entering their 60s who could potentially qualify for disability benefits may opt to just elect for Social Security a couple of years early to avoid the hassle. However, this strategy has the potential to cost you a lot of money in the long run. Whether opting for disability would be the more remunerative strategy will depend on your age. A financial advisor could help you weigh the best options for your retirement goals.
What Happens If The Adult Child Gets Married
If he or she receives benefits as a disabled “adult child,” the benefits generally end if he or she gets married. However, some marriages are considered protected.
The rules vary depending on the situation. Contact a Social Security representative at 1-800-772-1213 to find out if the benefits can continue.
To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.
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Canada Pension Plan Disability Benefits
The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.
You may be eligible for CPP disability benefits if:
- you contributed to the CPP for a certain number of years
- you’re under 65 years old
- you have a severe and prolonged mental or physical disability
- your disability prevents you from working on a regular basis
The benefits include payments to children of a person with a disability.
Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.
If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.
Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.
If so, consider:
You Have Been Convicted Of A Crime
Certain conditions related to conviction of a crime or imprisonment will prevent you from receiving Social Security disability insurance benefits. They are as follows.
- You are in prison after being convicted of a felony, unless you are in a court-approved rehabilitation program that is likely to result in your getting a job when you get released, and your release is expected to occur within a reasonable amount of time.
- You were injured while committing a felony and were convicted of the crime. The impairmentor the worsening of an existing impairmentthat you suffered during the commission of a felony cannot be used as a basis for applying for disability benefits.
- You were injured while in prison. The impairmentor the worsening of an existing impairmentthat you suffered while you were in prison cannot be used to obtain benefits. But you can generally receive benefits after being released from prison.
However, it’s worthwhile to apply for SSDI benefits even if one of the above situations apply to you, because even if you can’t get cash benefits, you may be granted a period of benefit-free disability that will “freeze” your earnings record, keeping your eventual disability, retirement, or dependents benefits from decreasing.
Note these situations do not prevent you from receiving SSI disability benefits, although being incarcerated does keep you from collecting SSI benefits.
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When Should I File My Claim
You must file your claim between 9 and 49 days after the start of your disability. You cannot submit your application until the 9th day, and if you wait too long you may lose your benefits. If you file your claim after the 49th day, include a letter explaining why you couldnt submit your claim on time.
How Is The Sdi Benefit Calculated
The SDI program generally pays 60-70% of the average wages you earned before the start of your disability. To calculate your average income, SDI looks at a yearlong period that starts around 17 months before your disability, and ends around 5 months before your disability. Those 12 months are called your base period. SDI divides your base period into 4 quarters and uses the quarter when you had the highest wages to figure your average income, and your benefit amount.
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How Disability Benefits Differ
Social Security Disability Insurance benefits are for people who are eligible for Social Security retirement benefits, but became disabled before they reached full retirement age. When a beneficiary begins to receive disability benefits, certain members of their family may also qualify for benefits, including:
Can You Apply For Disability If You Already Receive Ss
I am 68 years old and have COPD, CAD Coronary Heart Disease, PAD Peripheral Artery Disease and have 13 arterial stents. I receive SS and Medicare and have PAAD. My income from work is $368.00 gross every two weeks. I do not qualify for food stamps or any other benefits except a once a year lump sum payment on my electric bill.Everyone I know is nagging me to apply for Disability and when I say I already receive SS they tell me I can receive both. I don’t believe I can. That is why I am writing to you, so that I can tell them once and for all that you get one or the other, not both.
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Impairments That Qualify For Diabetes Disability Benefits
In order to qualify for Social Security Disability benefits on the basis of Diabetes, your doctor must diagnose you as having Diabetes mellitus and at least one of the following conditions:
Most of the time, applicants will be approved for Social Security disability benefits on the basis of Diabetes only in conjunction with one or more other disabling conditions that have been caused by the disease.
Approval for Social Security Disability benefits will probably be in the form of a medical vocational allowance if it is found that you are unable to return to your previous employment or perform any new type of work due to the severity of these conditions.
Applying For Social Security Disability And Ssi Benefits
You can apply online for Social Security Disability benefits, you can file in person at your local Social Security office, or by calling 772-1213.
To find your local Social Security office, click here and enter your home zip code. Locate a Social Security Office.
Before you begin your application, you should collect certain information regarding your medical treatment, work history and other facts. To view a checklist of the information that you will need, Disability Checklist.
When you are ready to apply for Social Security Disability Benefits, Apply for Disability. You will not have to complete the entire application in one sitting. You will have the option of saving your application and returning to it later.
You can also complete most of your application for SSI Disability benefits online, but to finish the application process you will have to visit a Social Security office. You canApply for SSI to begin the SSI application process for yourself or for a child.
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I Received My Notice Of Computation Why Havent I Received A Benefit Payment
This notice does not confirm that you are eligible to receive benefits.
We send you the Notice of Computation to let you know your potential weekly and maximum benefit amount based on the wages you earned in your base period. We may need more information before making a decision about your eligibility.
You May Qualify For Legal Assistance
Filing your SSD claim through an attorney makes you 2x more likely to get approved for the max benefit amount within 6 months. Those who apply on their own without legal assistance typically wait 2+ years for their first benefit payment. Even with a 100% P& T rating, Social Security disability for veterans may be difficult to get because the agencys eligibility rules are completely different. However, you can sign up for a free phone call with a Social Security attorney to discuss your claim before you file. Its the fastest and easiest way to get confidential claim advice without ever leaving your house!
All disability attorneys work on contingency. That means if the SSA wont award you benefits, then you pay the lawyer $0 for legal assistance. And if your case wins, then youll only pay a small, one-time fee. Most people who apply with legal assistance through our website qualify for $10,000 in lump-sum back pay as well as monthly benefits.
Ready to see if you may qualify? Click the button below to start your free online benefits evaluation now!
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Can I Get Social Security Disability For Coronavirus
Social Security disability insurance benefits are only available to workers who have paid enough Social Security taxes on their earnings over time. Social Security disability insurance benefits are paid to disabled workers, and to their dependents, when the employee can no longer work due to a disability.
So, the question becomes, if a worker has enough Social Security credits paid into the system, can they collect Social Security Disability, if they are unable to work due to illness from the coronavirus .
In most cases, illness due to coronavirus will not qualify a disabled person to Social Security Benefits. But we will explore some cases where there may be exceptions.
You Fail To Follow Prescribed Therapy
If you are being treated by a doctor, but fail to follow the doctor’s prescribed therapy when you have the ability to do so, you can be denied disability benefits. However, the SSA recognizes certain legitimate excuses for failing to follow the doctor’s orders .
Acceptable medical excuses. Failure to follow prescribed therapy can be excused for reasons beyond your control. Some examples follow.
- You have a mental illness so severe that you cannot comply with prescribed therapy.
- You have a fear of surgery so intense that surgery would not be appropriate. Your treating doctor must confirm the severity of your fear to the DDS consulting doctor.
- You physically cannot follow prescribed therapy without assistancefor example, because of paralysis of the arms or cataracts caused by diabetes.
Acceptable nonmedical excuses. It is possible that you cannot follow a prescribed therapy for a reason that has nothing to do with your medical condition. Acceptable nonmedical excuses for failing to follow prescribed therapy follow.
- You don’t have the money to pay for treatment.
- Your religious beliefs prohibit you from receiving medical therapy.
- Your doctor prescribes treatment that another doctor disagrees with.
For more information, see Nolo’s article on the impact of failing to follow prescribed treatment.
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Talk To A Disability Lawyer
Need a lawyer? Start here.
If You’re Not Sure Why You Received A Payment
If you receive a check or direct deposit payment from the Treasury Department and do not know what its for, contact the regional financial center that issued it.
If you received a check, look for the RFCs city and state at the top center. Then contact that RFC to find out which federal agency authorized the payment. It will be one of these:
If you received payment byelectronic funds transfer , or direct deposit, follow the directions under Find Information About a Payment.
Use the Treasury Check Verification System to verify that the check is legitimate and issued by the government.
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Are You Working
If you are working in 2021 and your earnings average more than $1,310 a month, you generally cannot be considered disabled.
If you are not working, we will send your application to the Disability Determination Services office that will make the decision about your medical condition. The DDS uses Steps 2-5 below to make the decision.
How Do I Apply
You can do it through the local Social Security Administration office or state agencies .
You can apply in person, over the phone, by mail, or online. DDS will get information from your doctors to decide if your diabetes qualifies as a disability.
If you donât qualify, your case is kept on file in case you decide to appeal.
The process isnât quick. It can take 3 to 5 months to get a decision, depending on how long it takes for DDS to get your medical records and other information they need.
Itâs not unusual to be turned down the first time you apply. Up to 80% of first-time applications are rejected. If you appeal, it can take another 3 to 5 months to get a decision. If that appeal gets denied, you can appeal once more before an administrative law judge. That process can take as long as 2 years.
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Is There Amaximum Income I Can Receive From Employment
Yes, themaximum amount of money you can receive from employment or otherself-employment project is $1170 for 2017. As long as your income fromemployment is under this amount you still will qualify for benefits from theSSA. For the most part if you have serious disabilities you wont work enoughto hit the $1170 limit.
There isanother disability program called Supplemental Security Income , but it isincome based. This program also includes unearned income when calculating yourqualifications. The SSI has a really low limit. It is very unlikely that youwould be able to receive benefits from military retirement, VA benefits, andSSI all at the same time.
Important Things To Keep In Mind About Disability Benefits
Here are a few things to keep in mind about disability benefits whether living overseas, planning to live overseas, or staying in the U.S.:
- One should alert the SSA if moving, whether inside or outside of the country.
- A non-citizen who changes immigration or citizen status should alert the SSA.
- Once outside the country 30 consecutive days in a row, the SSA considers that living out of the country. The SSA considers out of the country to mean a person is not in any of the 50 states nor in the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands or American Samoa. Alert the SSA in this case.
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