Social Security Disability Basics

Social Security Disability Basics

For many of us, the concept of being disabled one day never enters our mind, especially when we’re in our 20s and 30s. But the chances of a person becoming disabled are higher than most people realize.

According to the Social Security Administration (SSA), studies show that a 20-year-old worker has a 1-in-4 chance of becoming disabled before he or she reaches full retirement age. While that’s not very encouraging, fortunately American workers can turn to the Social Security Disability program for relief.

The following are some basics about Social Security Disability that every disable worker should know:

1. Social Security pays disability benefits to people who cannot work because they have a medical condition that should last for at least one year or result in death.

2. In order to receive disability benefits, you must meet the “earning requirements.” You must have worked long enough to receive SSD benefits.

3. You may have family members who can also receive Social Security under your work record. Such family members include but are not limited to a son or daughter under the age of 18, or a spouse who is 62 or older, etc.

4. By law, your benefits cannot start until you have been disabled for at least five months. Payments usually start upon the sixth month of disability.

5. Disability benefits generally continue as long as a medical condition has not improved and the disabled person cannot work. However, this does not necessarily mean that benefits continue indefinitely. Many people do recover from serious illnesses and accidents.

6. You have reporting requirements. You must tell the SSA if: 1) your ability to work changes, 2) you go back to work, and 3) your disabling medical condition improves.

7. Social Security Disability benefits are paid monthly, and usually the day you receive your payments has to do with your birth date. For example, if your birthday is on April 15th, you should receive your payments on the 15th of every month.

If you receive benefits under your spouse’s record, your benefit payment date is determined by your spouse’s birth date. You will receive your payments electronically via direct deposit.

8. You may have to pay taxes on your benefits, especially if you have substantial income in addition to your disability benefits or are married and file a separate return.

If you have further questions about Social Security Disability, don’t hesitate to contact a Dallas Social Security Disability lawyer from The Zendeh Del Law Firm!