Tuesday, July 16, 2024

How Does Social Security Disability Work

Don't Miss

How Do I Earn Social Security Disability Work Credits

How do Lump Sum Payments Work in Social Security Disability?

Work credits are based on your total wages and self-employment income for the year.; At most, you can earn four work credits per year.; The amount of earnings it takes to earn a credit can change from year to year.; In 2020, you must earn $5,640 to get four credits for the year.; How Can I Check My Social Security Disability Credits?

What If I Attempt To Return To Work But I End Up Needing To Go Out On Disability Again

If you return to work and are able to perform your regular or customary job for more than 60 days, then your disability benefit period is considered ended.; If you stop working again due to disability, you must file a new claim for SDI, and re-establish your eligibility for benefits as of the date of the new claim. If you are eligible for SDI as of the date of your new claim, you are entitled to a new benefit period of up to 52 weeks.

If you return to work for more than 60 days, but do not perform your regular or customary work due to your disability for example, you work only light duty or only part-time you may be able to continue your prior disability claim. You will need to show EDD that you did not perform your regular or customary work when you attempted to return to work.

If you return to work for fewer than 60 days, and stop working due to the same disability, you are considered to be within the same disability benefits period. You may continue receiving benefits under your original claim and the 7-day waiting period required by these claims will be waived.

Other Social Security Benefits

You are not permitted to collect more than one Social Security benefit at a time. If you are eligible for more than one monthly benefitdisability and early retirement, for example, or disability based on your own work record and also as the disabled spouse of a retired workeryou may receive the higher of the two benefit amounts, but not both.

For the purposes of this rule, though, Supplemental Security Income a program jointly run by federal and state governments to guarantee a minimum income to elderly, blind, and disabled peopleis not considered a Social Security benefit. You may collect SSI in addition to a Social Security benefit.

Recommended Reading: Average Disability Check

I Am A Surviving Spouse Can I Get Survivor Benefits

Yes, if all these are true:

  • You were married for at least nine months immediately before your spouse died.

  • Your spouse was fully insured according to Social Security, meaning he or she had worked and paid into the system long enough to qualify for benefits.

  • You are one of these:

  • 60 or older.

  • 50 or older and disabled.

  • Caring for a child who is under 16 OR getting Social Security disability benefits on your spouses earnings record.

  • You have not remarried before age 60 .

  • Your monthly Social Security benefit must be lower than what your spouse got, UNLESS your own benefit is higher than the survivor benefit you would get and you are applying for survivor benefits to delay retiring on your own earnings record.

  • *A surviving divorced spouse may also be eligible for survivors benefits if s/he was married to the eligible deceased person for at least ten years.

    Can You Work And Claim Social Security Benefits

    How Does Social Security Disability Back Pay Work?

    If youve already reached full retirement age, feel free to work away if you choose. Your benefits wont be affected no matter how much you earn.

    But if you take Social Security early, your benefits will be reduced by $1 for every $2 you earn above $18,960 in 2021. You get more leeway during the year you reach full retirement age: Youll have $1 withheld for every $3 you earn above $50,520, and then once you actually hit that age, your benefits will no longer be reduced.

    You May Like: Army Medical Retirement Pay Calculator

    Social Security Disability Insurance : The Basics

    There are two basic rules for getting SSDI:

    You must meet both of these requirements to get SSDI benefits. However, there are some other situations where you may get similar benefits from Social Security:

    • If you are an adult with a disability that began before you turned 22, you may qualify for Childhood Disability Benefits .
    • If you haven’t turned 19 yet, you may qualify for child’s benefits if one of your parents gets SSDI or Social Security retirement benefits, or if a parent died. You do not need to have a disability.
    • If your spouse or ex-spouse qualifies for SSDI or Social Security retirement benefits, or qualified before dying, you may be able to get benefits.

    If you qualify for SSDI or these other benefits, the amount you get each month is based on your Social Security earnings record . The more youve worked and the more youve paid in Social Security taxes, the higher your benefits will be.

    After getting benefits for two years, you automatically get Medicare health coverage.

    Social Security has two disability benefits programs with very similar names:

    If you have questions about SSDI and need to talk with somebody, call Social Security at 1-800-772-1213 or 1-800-325-0778 or visit your local Social Security office.

    If you want to ask about how work might affect your SSDI benefits, try contacting:

    Ways That Social Security Works For People With Disabilities

    Thousands of Ohioans rely on SSDI as a literal financial lifeline. While federal permanent disability benefits are not generous, receiving SSDI payments is the only thing that makes it possible for many people to afford housing, food and other necessities. Without SSDI, long-term care facilities would be overwhelmed, homelessness and hunger would worsen, and the amount of human suffering would be incalculable.

    SSDI also works in the sense that it is open to nearly all U.S. citizens who have paid into the Social Security system while working. Children whose parents have established Social Security eligibility also have access to federal disability benefits.

    A third way SSDI can work for people in Ohio who are too disabled to work is that the program recognizes all types of disability. People in Ohio can qualify for Social Security disability payments regardless of whether a physical, mental, intellectual, or emotional problem leaves them unable to hold a job.

    Don’t Miss: What Does Pending Processing Mean For Disability

    How To Qualify For Spousal Benefits

    Whether youre currently married or divorced determines how you can qualify for spousal benefits.;

    You can qualify for spousal benefits if you meet all of these requirements:

    • Your spouse is already receiving retirement benefits.
    • You have been married for at least one year.
    • You are at least 62 years old, or you are caring for a child who is under age 16 or disabled.


    If you are divorced, you can receive Social Security spousal benefits based on your ex-spouses earnings record if you meet all of these requirements:

    • You were married for at least 10 years.
    • You never remarried.
    • You are age 62 or older.
    • Your ex-spouse is entitled to Social Security retirement or disability benefits.
    • The benefit that you would receive would be more than what youd get based on your own work record.

    Note: Its not necessary for your ex to be taking his or her benefits for you to receive spousal benefits, but if he or she isnt, there is one additional requirement to qualify for spousal benefits. In this case, you must have been divorced for at least two years.;

    Disability Help Group: Winning Case Study

    Do I Return to Work After Applying for Social Security Disability?

    George stopped working in 2013 because he had a car accident.; Unfortunately, he was unable to go back to work.; He suffered from chronic back pain.; George didnt know he could file for Social Security disability benefits when he stopped working.; He contacted Disability Help Group for assistance in 2019.; At that time, his date last insured had expired in December 2018.; George had to go to a disability hearing.; We were able to help George provide all of his medical records to the judge since his accident.; Therefore, George was able to show that his medical conditions kept him from working before his DLI.; He was approved for benefits.;;

    Also Check: Va Retirement Pay Calculator

    How Much Work Do You Need

    In addition to meeting our definition of disability, you must have worked long enough and recently enough under Social Security to qualify for disability benefits.

    Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to four credits each year.

    The amount needed for a work credit changes from year to year. In 2021, for example, you earn one credit for each $1,470 in wages or self-employment income. When you’ve earned $5,880, you’ve earned your four credits for the year.

    The number of work credits you need to qualify for disability benefits depends on your age when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits.

    For more information on whether you qualify, refer to How You Earn Credits.

    What Happens To Social Security Disability Benefits When A Spouse Dies

    • When a spouse dies, you may be able to receive Social Security disability benefits. Find out how Social Security disability works when your spouse passes.

    The loss of a spouse is difficult enough, but along with it, there are financial issues to sort out. When a spouse who had been collecting Social Security disability benefits passes away, that benefit is sometimes passed onto the surviving spouse if they meet certain criteria.

    Remember that each persons situation is different, and if you have any questions about whether or not youd qualify to receive Social Security disability after a spouse passes, you can contact your local Social Security office or call 1-800-772-1213 to speak to a Social Security representative.

    Learn more below about the intricacies of how Social Security disability works after a spouse dies.

    Dont Miss: What Qualifies For Short Term Disability

    Read Also: Va Compensation For Bipolar Disorder

    How Much Ssdi Can I Qualify For

    The amount of Social Security disability benefits you qualify for depends on the amount your deceased spouse was receiving. The amount you receive may be based on your age and how long you were married.

    In general, if youre 62 or older, youll likely qualify for the full benefit upon your spouses passing. If, however, youre between 50-62, you likely will qualify for a percentage of that benefit based on your age.;

    As with most things related to federal and Social Security benefits, its best to contact a Social Security representative so they can answer questions specific to your situation.

    What Is The Legal Fee In Social Security Disability Cases

    How Does Social Security Disability Insurance Work ...

    Our office takes Social Security Disability cases on a contingency basis. It means that;we do not get paid unless we win your case;.

    The Social Security Administration regulates all attorney fees. Most of the time, they approve a fee of;25 percent of any retroactive benefits.

    For example:;If you win your case and you are entitled to $10,000 in retroactive benefits, Social Security will deduct $2,500 from this amount as our fee and send it directly to us. You will receive a past due check for $7,500. Whats important is that all future checks are free of any attorney fees.

    You May Like: How Much Does Sdi Pay In California

    Strategy For Deciding When To Take Early Retirement

    While some people who quit work at age 62 purposefully apply for disability and elect early retirement at the same time, so that the early retirement payments fill the gap until the disability payments start, remember that there is no guarantee youâll be granted disability benefits, and you could be stuck collecting less than your full retirement rate for the rest of your life. Still, this can work for those people who are severely impaired and are sure that they will get disability benefits. Getting disability benefits for those over 60 is easier than for younger folks, and Social Security gives special consideration to those over 65.

    If you are considering this course of action, talk to a , who can help you assess your financial options and your chances of winning disability benefits.

    Why Should I Hire Turley Redmond & Rosasco Llp To Handle My Social Security Disability Benefits Case

    Our law firm has been successfully representing Social Security Disability claimants for over 24 years. We take pride in our ability to resolve some of the most challenging and complex cases and ensure that;our clients get every penny they deserve.

    Below are a few main reasons why you might benefit significantly from our help:

    • We have over 90 percent success rate;winning Social Security Disability cases. This is important because over 60 percent of initial Social Security Disability applications are denied.
    • We have appeared before most of the Social Security Administrative Law Judges in the tri-state area. So, we know what works and we know exactly what their requirements are in order to approve your case.
    • You will be dealing with experienced, winning SSD lawyers who have a proven record of successfully fighting the Social Security Administration in the highest federal courts such as in;Brown v. Commissioner of Social Security.
    • Over the course of 24 years, our attorneys have;successfully represented over 8500 disabled claimants;in both initial applications and appeals. Now its YOUR turn to get the help you need and the benefits you deserve.
    • When dealing with Turley Redmond & Rosasco, L.L.P., your case will be carefully reviewed, evaluated and analyzed. You will have direct access to our lawyers and paralegals who will answer all your questions, address your concerns and chart a course to a winning claim.

    ;We look forward to hearing from you!

    Recommended Reading: Ssdi Calculator Backpay

    The Benefits Of Applying For Social Security Disability

    The only benefit of applying for Social Security disability is that your claim gets applied to any benefit that your long-term disability insurance company has to pay. The other benefit is that the Social Security Administration typically wont terminate your benefits like a long-term disability insurance company would. Its important to know what the rules are for both of those claims and how your benefits can be approved or denied in both situations.

    If you have questions about that or if youve received a notice that youre required to apply for Social Security disability benefits after a long-term disability claim has been approved, give us a call or send us an email. Wed be happy to sit down with you and explain it further as it relates to your specific case.

    Is Your Condition Severe

    How Does Social Security Disability Back Pay Work?

    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 are not disabled.

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

    Also Check: Reserve Retired Pay Calculator

    How Does Social Security Work 12 Questions Answered

    Social Security isnt just a retirement program. It also provides for people who are disabled, the survivors of workers who have died, and the dependents of recipients.

    However, because retirees are by far the largest group of people to receive benefits, were focusing on Social Security retirement benefits in this article.

    Potential Benefits You Could Receive From Ssdi

    If you are ultimately approved for SSDI, then you may receive financial assistance for various expenses.

    According to the SSA, the amount and type of benefits that you could be eligible for may depend on:

    • Whether you are currently working.
    • The severity of your medical condition.
    • Whether you have dependents, such as a spouse or children.
    • Whether your condition is covered under the SSAs blue book listing of impairments.
    • Whether you are able to work at your previous job or any other profession.

    SSDI and Supplemental Security Income are two of the largest federal programs that offer aid to those living with a disability. If your application is approved, you could receive monthly cash payments and medical care.

    For a legal consultation, call

    Don’t Miss: How Much Does Ca Disability Pay

    What Do I Need To Know About Advance Designation

    You should be aware of another type of representation called Advance Designation. This relates to the Strengthening Protections for Social Security Beneficiaries Act of 2018, which was signed into law on April 13, 2018.

    Advance Designation allows capable adult and emancipated minor applicants and beneficiaries of Social Security, Supplemental Security Income, and Special Veterans Benefits to choose one or more individuals to serve as their representative payee in the future, if the need arises.

    To help protect whats important to you, we now offer the option to choose a representative payee in advance. In the event that you can no longer make your own decisions, you and your family will have peace of mind knowing you already chose someone you trust to manage your benefits. If you need a representative payee to assist with the management of your benefits, we will first consider your advance designees, but we must still fully evaluate them and determine their suitability at that time.

    You can submit your advance designation request when you apply for benefits or after you are already receiving benefits. You may do so through your personal account, by telephone, or in person.

    What Is The Difference Between Social Security And Va Veterans Disability Benefits

    How Does Social Security Disability Work?

    Social Security has two types of disability benefits. Social Security disability insurance benefits require that you have worked.; Unlike SSDI, Supplemental Security Income benefits dont require that youve worked.; However, you must meet certain financial requirements.; The VA offers veterans disability benefits only for individuals who have served in the armed forces.;

    You May Like: Naval Reserve Retirement Pay Calculator

    More articles

    Popular Articles