Social Security provides many benefits to those that are retired and their
families. Nearly 59 million Americans receive Social Security benefits
each year, with 11 million of those Americans requiring Social Security
disability (SSDI) benefits. Around $11 billion is paid to these claimants
SSDI benefits are especially valuable because they kick in when an unplanned
illness or disability prevents a person from working, helping to ensure
that every person has financial support when they need it.
FAQ About SSDI Benefits
Even if a person does not need Social Security disability benefits now,
there are some things everyone should be aware of so it is clear what
to do if the time comes.
How does a person apply for disability benefits?
A person is eligible for disability benefits if they have worked for a
minimum length of time. As long as a person's annual income exceeds
$4,800, they are eligible for 4 credits each year. Depending on the age
a person is seeking to obtain disability benefits, a different amount
of credits will be required to obtain benefits. For example, someone over
the age of 62 must have 40 credits, which is the equivalent to working
for 10 years.
How is a disability defined by Social Security?
Social Security has a specific definition of disability that may differ
from what a person's employer deems to be a disability. Nearly two-thirds
of all claims are rejected due to the strictness of the Social Security
The Social Security administration defines disability as an illness or
injury that is either expected to last over one year or result in death,
and that which leaves a person unable to do the work they did previously.
How much compensation will a person and their family receive?
The amount of benefits a person will receive largely depends on work history
until the point the person became disabled. If over the age of 62 or caring
for a child under the age of 16, a spouse is able to receive disability
benefits as well. Children under the age of 18 or still enrolled in high
school are also able to receive benefits from their parent's disability claim.
How will disability benefits affect retirement benefits?
When a person reaches full retirement age, Social Security retirement benefits
kick in. Considering that many private disability providers will stop
providing benefits once a person retires and that a disability decreases
the time a person was in the workforce, Social Security will continue
to pay out the same amount as it did under disability.
Knowing the basics of Social Security benefits can be extremely helpful
in the event that a person must access them later. For any help applying
for disability benefits, do not hesitate to call the Zendeh Deh Law Firm!