Rules If Somebody Else Helps Pay For Your Food And Shelter
If you are single and pay for your own food and shelter, you get up to $794 per month in SSI benefits. Shelter expenses can include rent, mortgage payments, property taxes, heating fuel, gas, electricity, water, sewer service, and garbage collection. To qualify for this benefits amount if you live alone, you cannot get help paying for these expenses. If you live with other people, you must pay your fair share without getting help.
If someone else pays for some or all of your food and shelter, Social Security may reduce the maximum SSI benefits amount you can get. This is called in-kind support and maintenance and how Social Security counts it depends on your situation.
Calculating Ssdi: Covered Earnings
If you are eligible for SSDI benefits, the amount you receive each month will be based on your average lifetime earnings before your disability began. This is the only factor that determines your benefit amount, although it may be reduced if you’re receiving disability payments from other sources . In other words, your SSDI benefit amount is not based on how severe your disability is, and unlike SSI, you cannot be denied SSDI because you have too much unearned income or too many resources .
Your past earnings must be covered under the Social Security program in order to count towards the amount of SSDI benefits you will receive. “Covered earnings” are wages you have received from jobs that have paid into Social Security. If you have received a paycheck that had money withheld for “Social Security taxes” or “FICA,” the wages you made at that job are covered earnings and will count toward calculating your benefit amount. Most wages are covered earnings.
Your SSDI payment will be based on your average covered earnings over a period of years, known as your average indexed monthly earnings . A formula is then applied to your AIME to calculate your primary insurance amount the basic figure the SSA uses in setting your actual benefit amount.
For example, someone in their fifties who made $100,000 for the past few years might expect a disability payment of $2,500 per month. Someone in their fifties who made $60,000 per year might expect a disability payment of $2,000 per month.
How Much Does Disability Insurance Cost
One of the most popular questions we get here at www.highincomeprotection.com is how much does disability insurance cost?
The answer:; It depends.
From an information-based site such as this one, that answer doesnt cut it.; But the truth is there are so many factors that go into the pricing of a disability insurance policy that it is impossible to give an accurate answer without more information.
As a rule of thumb, disability insurance can cost from less than 1% to more than 4% of the income youre looking to protect. The average is somewhere near 2%.; There is an old example of disability pricing that has been around probably as long as long-term disability insurance itself.; It goes something like this:
You’re Hired! How Much Does Disability Insurance Cost?Youve been offered two jobs.; Job A pays 100k per year, but if you get too sick or injured to work, you get nothing.; Job B pays 98k per year, but if you cant do that job then youll get 5k per month tax-free for as long as youre out of work or until age 65, whichever comes first.; Which job would you take?
The example above uses that 2% number as the cost of a long-term disability insurance policy.; As mentioned, a lot goes into what your policy will cost.
Read Also: Do Part Time Employees Get Disability
Human Resources University Of Michigan
Long-Term disability insurance is an extremely valuable plan the university provides to eligible faculty and staff. Long-term disabilities may occur because of underlying or undiagnosed medical conditions as well as from catastrophic or workplace injuries. LTD coverage protects you and your family financially by providing a source of income when you become totally disabled and can no longer work. In addition, the university pays the cost to continue most of the U-M health benefits that you have at the time of disability, including medical and prescription drug coverage for you and your eligible dependents enrolled at the time of your disability.
Consider these important questions:
- Do you already have long-term disability insurance coverage that protects both your salary and your health benefits?
- How would you pay for groceries and utilities; make your rent, mortgage, or car payment; or pay other bills if you could no longer work at all?
- Do you have other life insurance coverage?
- Do you have other retirement income options for you and your spouse or OQA?
- How would your inability to work and draw a salary impact those who rely on you for financial and emotional support?
Ssi Federal Payment Amounts For 2021
Maximum Federal Supplemental Security Income payment amounts increase with the cost-of-living increases that apply to Social Security benefits. The latest such increase, 1.3 percent, becomes effective January 2021.
SSI amounts for 2021 The monthly maximum Federal amounts for 2021 are $794 for an eligible individual, $1,191 for an eligible individual with an eligible spouse, and $397 for an essential person.
In general, monthly amounts for the next year are determined by increasing theunrounded annual amounts for the current year by the COLA effective for January of the next year. The new unrounded amounts are then each divided by 12 and the resulting amounts are rounded down to the next lower multiple of $1.
Recommended Reading: How To Write A Social Security Disability Brief
Do You Qualify For Michigan State Disability Assistance Benefits
Federal disability benefits arent the only source of financial assistance for those in need. If youre disabled or a caregiver for a disabled person you might qualify for state assistance as well.
If you have a disability, you are likely already familiar with federal Social Security Disability benefits and Supplemental Security Income . But did you know you might also be eligible for need-based state disability benefits on top of any other benefits you already receive?
Michigans State Disability Assistance program provides supplemental benefits to those who qualify. While the benefits rarely exceed a few hundred dollars per month, if you are disabled and unable to work, every dollar can make a difference.
Other Workers’ Comp Benefits In Michigan
Michigan workers’ compensation also provides other types of benefits, including:
- Medical treatment. Workers’ comp will pay for any medical care that’s reasonable and necessary to treat your injury or illness, including medical rehabilitation services.
- Vocational rehabilitation. You’re entitled to vocational rehabilitation benefits, which could range from minor changes to your workstation to retraining and job-placement services.
- Death benefits and burial expenses. When an employee dies as a result of a work-related injury or illness, the surviving dependents may receive death benefits for 500 weeks . These benefits are calculated as 80 percent of the deceased worker’s pre-injury, after-tax average weekly wage, subject to a minimum and maximum. The family may also receive payment for the reasonable funeral and burial expenses, up to $6,000.
Read Also: How To Appeal A Va Disability Claim
How Much Can I Earn On Disability In 2020
A person who earns more than a certain monthly amount is considered to be engaging in SGA. Federal regulations use the national average wage index to set the income limit for determining the SGA each year. In 2020 , the amount is $1,260 for disabled applicants and $2,110 for blind applicants.
Being Eligible Based On Disability
To be eligible for SDA based on a disability you must meet one of these requirements:
Receive disability-related benefits, such as Medicaid, due to blindness or disability
Live in a Qualified Special Living Arrangement , such as a long term care facility or substance abuse treatment center
Be diagnosed with Acquired Immunodeficiency Syndrome
Be certified by the Disability Determination Service as unable to work for at least 90 days because of a disability
The DDS is an office of MDHHS. It reviews medical evidence and other documentation in SDA applications. If you are applying for SDA based on one of the first three categories above, DDS will review your documents to make sure that you fit into the category.
If you need DDS to certify that you cant work for at least 90 days, DDS will review your medical evidence. You will need to complete a Medical-Social Questionnaire .;You will also need to sign Authorization to Release Protected Health Information ;and Reimbursement Authorization .;Your caseworker will give you all of these forms after you turn in your SDA application. DDS will review your answers to the medical questionnaire and your medical records when deciding if you are eligible for SDA.
You must also apply for Social Security disability if you are applying for SDA based on any of the disability categories above. You will need to send proof of your application or appeal.
You May Like: Where Is The Disability Resource Center Located
How Does The Social Security Administration Define Disability
The SSA has strict criteria for determining whether a person is eligible for disability benefits.
The main requirements are:
- You are unable to do the work you did before
- You cannot transition to other work because of your disability or medical condition
- Your disability has lasted or is expected to last at least one year, or to result in death
Its important to note that Social Security disability benefits are only paid in cases of total disability. No benefits are payable for partial or short-term disability.
Talk With Us For Free
The call is free. The advice is free. The result can be life changing. If youve come this far, take one more step. Let us answer any questions you may have regarding a disability claim through Social Security or the VA.
Are you thinking about applying, have already applied, or have been denied?
Let Disability Attorneys of Michigan help you get the disability benefits you need. Call us for a Free Confidential Consultation at 800-949-2900 today.
Also Check: How Much Does Disability Pay In Sc
Basic Eligibility For Benefits
The SSA must see that you meet basic eligibility requirements before further reviewing your application for benefits. This basic eligibility includes having:
- A formal diagnosis of a potentially disabling condition
- A diagnosed condition that will disable you for 12 months of longer
After the SSA confirms that you meet basic eligibility, they will then move on to review your medical condition in detail and verify that you meet all program requirements for SSDI and/or SSI.
Does Everyone Get Denied Disability First Time
No, it is a myth that all disability claims are denied the first time around. The Social Security Administration has no regulation, policy, or formula that influences the disability system in such a way that most initial applications for Social Security disability benefits are automatically denied .
Recommended Reading: How Does Long Term Disability Work
Does Disability Count As Income For Unemployment
SSI is different than Social Security in several ways, but unemployment income also counts as unearned income for SSI. This means that SSI benefits may be offset by the amount of the unemployment benefits . This is particularly likely because of the increased PUC benefits authorized by the CARES Act.
Income And Asset Limits
MDHHS will look at your income and assets when deciding if you are eligible. If you are eligible, MDHHS will also use your income and assets to decide your benefit amount. MDHHS will count most of your earned and unearned income. Examples of income that MDHHS will count are wages, child support, and Social Security benefits.
Assets are things you own. Both real and personal property are counted. Real property includes land and anything permanently attached to it. Personal property includes cash, investments, retirement accounts, and life insurance policies. The asset limit for cash, retirement plans, and investments is $3,000. The asset limit for real property is $200,000.
Some types of income and assets are not included in the limit. To learn more about these limits, read Income and Asset Limits for State Disability Assistance.
Recommended Reading: How To Check Status Of Disability Claim
Social Security Disability Faq:
Can I Lose My Social Security Disability Benefits?
Losing SSD benefits is rare, but can still happen under certain circumstances. Every 3 years the Social Security Administration will perform a Continuing Disability Review in which they review a recipients qualifications to ensure that they still meet the requirements for receiving disability benefits. Benefits may be removed if the individual has improved to a point where they can return to work. Some other situations in which disability benefits may be suspended include:
- If the recipient is incarcerated
- If it is determined that the recipient committed fraud when filing their claim
- If the recipient experiences an increase in assets or income
- If the recipient passes away
How Much Will Social Security Disability Pay?
It is an important question: How much will my monthly checks be if I qualify for Social Security Disability benefits? At our law firm, our attorney deals with this question every day as we help people apply for benefits and appeal claim denials.
Whether you meet the criteria forSocial Security Disability Insurance benefits orSupplemental Security Income , an SSD attorney at our firm can answer your key questions and help you through the application or appeal process.
Equally important to the question, How much will Social Security Disability pay? are others such as:
How Do I Choose the Right Michigan SSD Attorney?
A starting point:
Read Also: How Much Is Disability In Michigan
How To Apply For Ssi In Michigan
To simplify the application process, its best to verify your eligibility for SSI before you begin. You can do this quickly and easily by checking the requirements provided by the Social Security Administration. You must be blind, disabled, or at least 65 years of age to apply for disability in Michigan. In addition, you must have a limited income, limited resources, and U.S. citizenship.
For the purposes of this application, your income includes:
- Earned income such as wages or royalties.
- Unearned income such as Social Security benefits, state disability payments, and unemployment benefits.
- In-kind income such as food or shelter thats provided free or at a discounted rate.
- Deemed income such as income from a spouse or parents that reside with you.
Your resources include your:
- Personal property.
- Life insurance.
If you believe you may be eligible for SSI benefits, you can apply online, in person, or by phone. Gather all applicable documentation before you begin so you can proceed through the application as smoothly as possible. You may need to have your:
- Social security card.
- Citizenship status record.
- Proof of income including payroll stubs, tax returns, and bank statements.
- Proof of resources including the deed for your home, life or disability insurance policy information, and vehicle registrations.
- Proof of your living arrangements.
- Medical documents pertaining to your blindness or disability.
- Work history.
Recommended Reading: Can You Get Social Security Disability If You Have Copd
When Are Ssd Benefits Paid
The Social Security Administration generally pays SSD benefits the month after you become eligible. For example, if you become eligible for benefits in January, the SSA pays the benefits to you in February.
Monthly payment dates vary depending on whether youre receiving benefits as a:
- Disabled WorkerYour payment date is determined by your birthdate. If you also receive Supplemental Security Income, your payment date falls on the third day of the month.
- Spouse of a SSD Benefit RecipientPayments are based on your spouses birthdate. If youre also receiving SSD or Social Security retirement benefits, your payments will arrive based on whoevers birthdate comes firstyou or your spouses.
- Survivor of a Deceased SSD Benefit RecipientThe birthdate of your deceased spouse or parent determines your payment schedule.
You can find exact payment dates by visiting the SSAs Schedule of Social Security Payments. If you have questions about your SSD payment schedule, Michigan Injury Lawyers wants to help.
Michigan Ssdi Hearing Wait Times & Approval By Office
Michigan is part of the Social Security Administrations Region 5, which is headquartered in Chicago. There are 7 hearing offices in Michigan. You can see waiting times for hearings & case dispositions for each office below, with comparisons to Michigan and National Averages.
The Hearing Wait Time is, on average, how long it takes in between when an applicant asks for a Hearing and when that hearing occurs.
The Average Disposition Time is, on average, the number of days in between when an applicant asks for a Hearing, and when the Administrative Law Judge who hears their case actually makes a decision on that case.
The Average Approval Rate is percentage at which cases are decided in favor of the applicant.
|Hearing Wait Time|
As the table here and the chart below indicate, in 2020, you will not need to wait long for a hearing at most of the offices in Michigan. The odd ones out are the Livonia, Mt Pleasant and Oak Park Offices which have longer wait times. The average approval rating of Michigan as a whole is slightly higher than the national average. With Oak Park and Detroit being their best performing offices, at 69.2% and 60.8% respectively.
Read Also: How To File For Disability In Illinois
Michigan Hearings Approval Over Time
|Hearing Approval Rate|
As the table and the below chart indicate, Michigan has slightly ahead of the national average when it comes to approvals at the Hearing level. In 2020, Michigan ranked 9th in the nation for highest percentage of approvals at Hearings. However, as youll see below, all individual hearing offices in Michigan are not the same each office has its own approval rates, and almost as importantly, waiting times. Which hearing office your case is assigned to in Michigan may have a significant bearing on your chances for approval.
Also worthy of note is the fact that past performance is only one indicator of likely outcomes; as new data comes in, you might see that a states performance compared to the national average has either improved or weakened.