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Definitions

According to the Social Security Administration a 20 year old who enters the work force today has as 30% likelihood of becoming disabled before reaching the age of retirement.   However, only a small percentage of U.S. workers actually apply for and successfully secure disability benefits. To understand why let’s start with understanding how the Social Security Administration defines “disabled”.

 
In order to be considered disabled according to the definition of the Social Security Administration:
  • You must be unable to work.
     
  • Your disability must have lasted or be expected to last at least 12 months.
     
  • our medical condition must prevent you from perform work you previously did or being able to adjust to other work according to your abilities and education level.
     
  • Your medical condition must be diagnosed and documented by medical evidence.

There are two programs from which a disabled person may qualify for benefits.

Social Security Disability Insurance (SSDI) is for people who are disabled or blind and who have recently paid into the Social Security system through FICA taxes (usually at least 5 of the last 10 years).
  • The program is designed to provide you with income until your condition improves and you can return to work.
     
  • You must be at least 18 but no older than 65 years of age.
     
  • You must be a U.S. citizen or lawful permanent resident.
     
  • You will qualify for Medicare after 24 months of cash payments.
 
SSDI pays benefits to you and certain members of your family if you are "insured," meaning that you worked long enough and paid Social Security taxes.
Social Security Income (SSI) is an entitlement program for blind, disabled or citizens over the age of 65 with limited income and assets.
  • You must be a U.S. citizen or lawful admitted qualified alien
     
  • The program is financed by general funds in the US Treasury
     
  • Income/assets of the claimant, your spouse and/or minor children considered in determining eligibility.
     
  • You will most likely qualify for Medicaid eligibility depending on the state of residence.
 
SSI pays benefits are based on financial need.
 
To find out if you condition meets the definition of “Disabled” according to the Social Security Administration complete our FREE DISABILITY EVALUATION today!