Types of Benefits
What benefits are available?
There are a number of benefits under the Social Security Law. You should apply for all benefits applicable to your case. If you have any questions about what benefits you are entitled to, contact The Social Security Disability Attorneys, a Disability Advocacy Group.
Social Security Disability Insurance Benefits (SSDI/DIB)
If you have worked and paid enough Social Security taxes and you are disabled, you may be entitled to Disability Insurance Benefits. Everyone must prove that he or she became disabled while disability insurance coverage was in force or they are not entitled to benefits, regardless of how serious the medical condition is now. Generally, the longer you have worked and the more you earned the larger the benefit amount you are entitled to if you become disabled. There are no household income restrictions on a SSDI/DIB claim; therefore even if your spouse is still working and financially able to support you, you are entitled to DIB/SSDI benefits if you are found to be disabled. In many cases, your dependent children will also get benefits id additions to your own.
In addition to disability payment you will be entitled to medical insurance, under the Medicare system. The Medicare Benefit starts 2 years after you are first entitled to social security benefits.
Please Call : 800-500-1985
How Much Work You Need
To qualify for Social Security disability benefits, you must have worked long enough and recently enough under Social Security. You earn up to a maximum of four credits per year. The amount of earnings required for a credit increases each year as general wage levels rise. Family members who qualify for benefits on your work record do not need work credits. The number of work credits needed for disability benefits depends on your age when you become disabled. Generally you need 20 credits earned in the last 10 years ending with the year you become disabled or you must have worked at least twenty calendar quarters (5 years) within the last forty calendar quarters (10 years) before you disability began. . However, younger workers may also qualify with fewer credits: The rules are as follows:
¨ Before age 24 - You may qualify if you have six credits earned in the three-year period ending when your disability starts.
¨ Age 24 to 31 - You may qualify if you have credit for having worked half the time between 21 and the time you become disabled. For example, if you become disabled at age 27 you would need credit for three years of work (12 credits) out of the past six years (between age 21 and age 27).
¨ Age 31 or older - In general, you will need to have the number of work credits shown in the chart shown below. Unless you are blind, at least 20 of the credits must have been earned in the 10 years immediately before you became disabled.
Find out if you are eligible
The Social Security Administration provides a tool that enables an individual to determine if he/she is eligible for benefits. The Benefit Eligibility Screening Tool (BEST) is a tool that you can use to find out if you could be eligible for benefits from any of the programs Social Security administers. This tool will give you eligibility information based on answers you give to the questions on the following pages; however, BEST is not an application for benefits and:
¨ will not give you an estimate of benefit amounts.
¨ does not know, or ask for, your name or Social Security number.
¨ does not access your personal Social Security records.
To find out if you are eligible for benefits click here using SSA's "BEST "tool.
Supplemental Security Income (SSI)
SSI is a Federal income supplemental program funded by general tax revenues (not Social Security taxes). To be eligible for SSI you must be found disabled under the same rules used for DIB/SSDI. SSI benefits are designed to for a disabled person who has no other income or support. These benefits are given to individuals who have low-level income and disabled, regardless if he/she worked in the past or not. There are very restrictive limitations on what assets you can have and what income you can make and receive these benefits. If your household income exceeds a certain maximum level you will not qualify for SSI benefits. Social Security looks at all other income and property in the household you live in, not just your own, and also the value of any support (i.e. free room and board) you may get from others, to determine if you are financially eligible for SSI. For example, If you're married, Social Security will also look at the income of your spouse and the things he or she owns. If you're under 18, they may look at the income of your parents and the things they own. And, if you're a sponsored alien, they also may look at the income of your sponsor and what he or she owns.
How Much you can get from SSI depends on where you live. The basic SSI amount is the same nationwide. However, many states add money to the basic benefit. You can call the Social Security Administration toll free at 1-800-772-1213 to find out the amounts for your state.
Please Call : 800-500-1985
Widow/Widowers Disability Benefits (DWB)
These benefits are designed for the spouse of a deceased person who was insured under the Social Security system. Under this law, a surviving spouse is entitled to a percentage of their spouses’ DIB benefits.
In order to qualify for these benefits you must be between the ages of 50 and 60 you must have been married for at least 10 years to the person who was covered under the Social Security at the time of his or her death. And finally you must show that you became disabled within a certain period of time (normally 7 years).
For more information about applying and getting Social Security survivor benefits, you can check on the SSA website at this link: http://www.socialsecurity.gov/pubs/10084.html.
Disabled Adult Children (DAC)
In order to be eligible for these benefits, you must show that the child became disabled before age of 22 and is continuing. You also must be at least 19 years old. You must normally show that the child has never been married. Finally you must show that the child’s parent was insured under the Social Security System and that the parent has retired, has become disabled or has died.
Social Security Death Benefits
Social Security is not only a retirement benefit program. It’s death benefits can provide assistance to a worker’s immediate survivors. It includes survivor benefits for eligible survivors in the family, plus a beneficiary way of a lump sum payment payable to the surviving spouse or minor children (in the absence of spouse). The one-time payment that is usually given amounts to $255.00, which is primarily to cover burial expenses.
In applying for social security death benefits, and eligible survivor must supply the necessary information to be approved for the benefits. For more information about applying and getting Social Security survivor benefits, you can check on the SSA website at http://www.socialsecurity.gov/ww&os2.htm
Please Call : 800-500-1985