When a person finds themselves facing unemployment and no income because of a disability, where can they turn? Is there any way for them to be able to continue with their lives? Many people find themselves in this position, and many are unable to receive Social Security Disability. So, what is Social Security Disability and what does it do for these individuals? These and other questions regarding Social Security Disability have been answered below by the Experts.
Social Security Disability, which also may be known as SSD or SSDI, is a Federal Insurance Program, which is managed by the Social Security Administration and is funded by payroll taxes. SSD is a program that was started to help provide Supplemental Income to individual, which is due because of a physical or mental disability, are constrained in their ability to maintain gainful employment. SSD may be received by an individual on a permanent basis or temporary, this will all depend on the individual’s disability. SSD should not be confused with SSI which is Supplemental Security Income. SSD is not based on the individual who is receiving SSD’s income. All income levels are eligible to receive SSD.
A person who has been receiving Social Security Disability is entitled to receive Medicare after they have been receiving SSD for at least 24 months. The 24 months begins when the first month that this person has received SSD. It is important to remember that the Social Security Administration will not pay for the first five months of a person’s disability.
Social Security has made it possible for those that were disabled as children to receive benefits through the lifetime earnings of their parents. These children who are disabled and become disabled adults receive their SSD from the parent that has made the most lifetime earnings. If the individual had been able to earn at a minimum 6 quarter credits for working on their own in the 3 years prior to disability then they would have their own Social Security account off their own earnings instead of their parents. The benefits that the individual receives are their own benefit, regardless if they are drawing off of their parents earnings, unless a payee has been designated.
If an individual is receiving SSD, when they reach full age of retirement at the age of 66 their benefits will remain the same as they were prior to reaching the required retirement age. The benefits will change names though; they will then be Social Security Retirement benefits versus Social Security Disability benefits.
When an individual’s case is under review what this means is that the case is undergoing a Continuing Disability Review, which means that the Social Security Administration is reviewing the case to make sure that the individual is still classified as being disabled. The things that they are looking at are much like the things that are considered when a person applies for SSD, there will be forms for the individual to describe what treatment that they have received for their condition and what their current condition is. Copies of medical records from the providers that have been used in the last 7 years to treat the condition from the individual is receiving SSD for will need to be provided to Social Security Administration. If these things are not enough to prove that an individual is still disabled, the individual may be asked that their personal physician to perform any test that may be needed or they may see a Social Security physician.
Social Security Disability is a program that is ran by the Social Security Administration for individuals who are unable to work due to a mental or physical disability. Social Security Disability or SDD may be a temporary or permanent benefit, depending on the individual’s particular disability. There are periodic Continuing Disability Reviews, which are done to make sure the individual is still disabled and therefore able to keep receiving benefits. Individuals may have questions regarding how Social Security Disability works, and the best way to get the answers that they need is to ask the Experts.