No matter how old you happen to be, when you have a health impairment that prevents you from working, you may be in a position to claim benefits from your Social Security Administration (SSA). You will find two benefit plans you can apply for:
Social Security Disability Insurance (SSDI): available simply to disabled people who have already worked for a certain variety of years.
Supplemental Security Income (SSI): available to disabled or elderly folks whose incomes and assets are extremely low.
SSDI is part of the United States' Social Security program, which is officially known as the "Old Age, Survivors And Disability Insurance Program," or OASDI. SSI isn't. But the benefit from both plans is cash, the sum according to which program you are eligible for.
Social Security Disability Insurance (SSDI)
To meet the requirements for Social Security Disability Insurance (SSDI), you mustn't only be disabled, but you need to also have built up adequate "work credits" with Social Security. Just exactly how many credits you will need depends on your age and the year you became disabled. You must have worked some part of five of the last ten years before you became disabled.
In case your application is approved, your Social Security disability benefits will include cash payments in an amount determined based in your personal income record. Typical payments range from $1,000 to $1, Higher earners who paid higher FICA taxes will get a larger benefit.
You may become entitled to Medicare, regardless of how old you are after collecting disability benefits for 24 months. For the time being, if your earnings is low, you could qualify for Medicaid.
Supplemental Security Income (SSI)
The Supplemental Security Income (SSI) application is run by the SSA, but it is truly a cooperative system between the SSA and your state government. That means that the total amount of benefits you receive, along with your qualifications, depends on what state you live in. For federal SSA purposes, however, you have to fulfill all of the following four standards:
You must be blind, handicapped, or age 65 or over.
You must be either a citizen of America, or match quite narrow requirements according to your U.S. permanent residency, military service, or political asylee or refugee status.
Your own monthly income must not be high. This counted income cannot be higher than an amount determined by the state where you live -- from $700 to $1,400 per month., although just about half of your earned income is going to be taken into account Nevertheless, some states allow people with incomes that are higher to get state benefits.
The property you own (minus specific items, for example your own car and house) must be worth less than $2,000, or $3,000 for a couple.
In case your application is approved, your SSI benefits will include cash payments of $733 per month for an individual or $1,100 per month for a couple (2015), less part of your income. Your state may supplement this amount with an additional payment (called the State Supplementary Payment). The national amount is fixed in January of each year, depending on the U.S. cost of living.
Once you are approved for SSI in most state, you will also automatically become entitled to Medicaid and food stamps.
How the SSA Defines Impairment
A crucial part of claiming benefits under either Social http://www.manta.com/c/mx4fydg/ruth-kolb-law-office?ftoggle-frontend-prod-on=abTests.revenue.responsive_02032015_a&utm_expid=82789632-30.NJYNlVUdTD21e-Hx75j2aA.2 - Pittsburgh Social Security Attorney - Security program is showing that you are severely disabled -- that is, that there is a physical or mental condition that prevents you from doing any large "gainful activity" (work) and will continue a minumum of one year or will cause your departure.
The determination of whether you are disabled leaves a lot of room for argument. The fact that you feel too ill to work, or that your physician may have advised you to not work, doesn't necessarily mean the SSA will agree that you are disabled.
The SSA claims examiners and evaluates disability for both SSI and SSDI claims using its own medical specialists. These decision makers use both a summary of physical and mental conditions and assessments of your "residual functional capacity" to determine whethr you are disabled.