Posts made in October, 2016

Basic Requirements to Qualify Under The Social Security Disability Insurance (SSDI) Program

Posted by on Oct 13, 2016 in Social Security | 0 comments

The Social Security Disability Insurance (SSDI), which the Social Security Administration (SSA) introduced in 1956, was designed to provide cash benefits to Social Security members who are below 65 years old and suffering from total permanent disabilities.

The criteria that should be met in order for an individual to be eligible for disability benefits include:

  • Having worked in a job covered by Social Security long enough or recently enough;
  • Having earned the required number of credits required by SSA. Employees can earn four credits within a year. These credits are earned through payment of Social Security taxes (employees’ pay slips usually identify SS tax payments as “FICA,” that is, Federal Insurance Contributions Act); and,
  • Having a total or permanent disability, which is a condition that will render a person unable to perform the work that he/she did before getting disabled, render a person unable to perform any other type of work, and which can be expected to either last for at least a year or result in death.

Though Social Security members usually need at least 40 credits (earned after 10 years of work) to be considered eligible for disability benefits, those who have only been in work for a few years and, thus, have earned only a few credits can also qualify. One very important thing any employee will have to be aware of is that even if they are eligible now, if they stop working under Social Security and stop earning credits (for a certain length of time), they may no longer be considered eligible in the future.

Once a beneficiary starts receiving cash payment, this may stop if:

  • The SSA decides that his/her medical condition has improved making him/her no longer qualified to be referred to as disabled;
  • He/She starts working at a level that the SSA considers as “substantial”;or,
  • If he/she turns 65 (in this case, the recipient of the disability benefit will continue receiving the same amount of payment, only this time, it will be called “pension,” and not disability benefit).

As explained by Indianapolis Social Security Disability attorneys, Social Security Disability benefit is a reliable source of financial support for totally disabled SS member and their families, when the SS member has lost the capability of earning a salary. People whose physical or mental disabilities keep them out of the workforce should find out if they are eligible to the financial assistance known as Social Security Disability Insurance. A highly-competent SSDI attorney may be able to help in this endeavor, as well as help prepare all the necessary documents and forms in case of eligibility.

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