Ought to I Apply for Social Safety Incapacity Insurance coverage Advantages?

If you cannot work on account of a medical situation, it’s possible you’ll be eligible for incapacity advantages by the Social Safety Administration. Earlier than starting the appliance course of, listed below are some issues to know first.

What’s Social Safety Incapacity Insurance coverage?

Social Safety incapacity insurance coverage, or SSDI, is a monetary security internet for employees who’re unable to proceed working on account of a extreme medical situation. It’s a whole incapacity insurance coverage program for insured employees.

Are You Insured for Incapacity Advantages?

When you contributed to Social Safety by the roles you have had by paying an employment tax referred to as the Federal Insurance coverage Contributions Act (FICA), you’re insured for advantages. However, there is a catch.

Relying in your age, you additionally should have labored just lately sufficient and collected sufficient quarters. For instance, when you’re 31 years previous or older, the rule is that you have to have labored a complete of 20 quarters, or 5 years, throughout the final 10 years to qualify for incapacity advantages.

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Test Your Earnings Assertion

The easiest way so that you can know when you’re insured for incapacity advantages is to verify your earnings assertion. This assertion was mailed to you yearly about three months earlier than your birthday. Now it is accessible on-line on the Social Security Administration web page.

It is a good suggestion to overview your assertion earlier than making use of for incapacity advantages. Not solely will it inform you when you’re insured, you can too learn the way a lot your month-to-month money profit may very well be.

Perceive that your advantages are found out out of your work historical past. So, when you’re not working and paying FICA taxes, you may by no means get extra in advantages, even when your situation will get worse.

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Does Your Medical Situation Qualify?

As soon as when you’re insured for advantages, the following hurdle is to show that you simply’re disabled.

The Social Safety Administration (SSA) defines “incapacity” as a situation that’s so extreme it’s stopping you from working at any job for a 12 months, or may end in loss of life.

SSA has recognized a protracted checklist of medical impairments that meet this definition. Yow will discover them in a publication generally referred to as SSA’s “Blue Guide.”

In case your situation is listed, greater than possible you will not have an issue qualifying for incapacity advantages, particularly you probably have medical proof and the help of your medical doctors.

However, what in case your situation is not listed? Do not be discouraged. SSA understands that there are exceptions, and has devised a posh analysis system to find out incapacity that takes into consideration your age, work expertise, training, and medical historical past.

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Nonetheless, it may take months to get accredited. Making use of for incapacity is difficult, even on-line on the SSA Website online.

It could be greatest to not try an software by yourself. Discover a Social Security disability advocate that will help you get your earned security internet of incapacity advantages.