SSDI Social Security Disability
Social Security Disability Insurance (SSDI) is a federal insurance program administered by the Social Security Administration that pays people who have previously worked and become unable to work.
A former worker must have enough “Work Credits” on record with Social Security to be insured for SSA Disability Insurance benefits. Generally, if you worked five of the past ten years and have enough lifetime credits, you have sufficient Work Credits to qualify for Disability Insurance benefits. If you want to know for sure, you can call the Social Security Administration at 1-800-772-1213 or go online and view your Work Credit history by opening an online Social Security account. In some cases, a person may be able to collect Social Security Disability Insurance benefits based on the Work Credits of a spouse, or the Work Credits of an ex-spouse if the marriage lasted at least ten years. Also, adults who became disabled prior to age 22 can sometimes collect Social Security Disability Insurance based on a parent’s Work Credit history.
SSDI Compared to Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is another form of disability benefit that does not consider Work Credits. It is a need-based program that does not require a past work history but instead requires that the claimant have a limited resources and low income.
Timing and Insured Status
Your disabling medical condition does not need to be caused while working. For example, you may have been laid off or retired from work and two years later been in a car accident, resulting in injuries that prevent you from working. Generally, depending upon the number of years you worked, your age, and the number of Work Credits you have accumulated, you can claim Social Security Disability Insurance benefits if you became unable to work within 5 years after you stopped working. The rules governing how long you can claim disability insurance benefits are complicated and it is advisable to check with your local Social Security office and an attorney as to the period of time you have available to file a claim for disability insurance benefits. Also, if you believe that you may be eligible for disability benefits, file your claim as soon as possible.
SSDI Benefit Payments, Dependant Child Benefits & Medicare
Based on the taxes you paid while working, you are entitled to a monthly benefit amount beginning on the sixth month after you become unable to work; the benefit amount you are paid is termed your Primary Insured Amount (PIA). Your children may also be entitled to benefits if you become unable to work and qualify for Social Security Disability Insurance benefits. If you are found to be disabled and qualify for Social Security Disability Insurance benefits, children who are either
1.) under the age of 18 or
2.) still in secondary school and are between the ages of 18 – 19 1/2
will receive a separate benefit that is up to 50% of your monthly disability payment. If you qualify for Social Security Disability Insurance benefits, you will also qualify for Medicare coverage. Your Medicare coverage comes into effect 24 months after the first month in which you begin collecting SSDI benefits.
Social Security Disability Insurance benefits are not available to people who have reached their full Social Security retirement age. People who collect Social Security Disability Insurance before they reach full retirement age have their benefits converted into retirement benefits upon reaching full retirement age. If have taken early Social Security Retirement you can still apply for Social Security Disability Insurance benefits. If you are found to be disabled, you will receive a disability benefit that when combined with your early retirement benefit approximately equals what you would have received in SSA retirement benefits at your full retirement age.
- You assume no risk. If you are not approved for Social Security Disability or SSI benefits, you will not pay us anything ever, not even our expenses. We guarantee it in writing with every client. Most other attorneys will charge for their expenses even if they do not qualify you for benefits.
- We have a proven track record. We use our skills and experience to maximize your likelihood of receiving Social Security Disability and SSI benefits.
- We work hard to resolve your disability case quickly. We attempt to get you approved as early as possible.
- We genuinely care what happens to our clients. We personally handle your case and we are attentive to your needs. We are not a large national disability mill than focuses on taking as many cases as possible and referring the cases to other firms or delegating primarily to non-attorneys. We are Michigan attorneys and we treat your case with the attention it requires to qualify you for benefits.
Call 855-WIN-4SSD (855-946-4773) or email the Law Offices of Jonathan S. Mallin for a FREE attorney consultation about your case.