Social Security Disability is a nation-wide program that allows you to pay a tiny amount each month, just like any other insurance, and when you need help there are benefits. Because anyone could be injured or diagnosed with a serious disease at any time, this program is mandatory. The Social Security Administration handles all Social Security Disability claims, and the process of filing a claim can be confusing. It is also a fairly long process and your benefits will not come through quickly.
Filing a Claim for Social Security Disability
Filing your claim will probably take some time. There is a lot of information that needs to be collected, including the diagnosis of the disease or injury which is going to keep you from working for a year or longer. You’ll need all the information about any doctors you’ve worked with as well as information about your work history. You only qualify for Social Security Disability benefits if you have worked in the recent past. The exact requirements are based on your age. For example, if you are over 31, you must have worked for 5 of the past 10 years. But if you are 28 or younger, you only have to have worked for 1.5 years in the past 3 years. Check the specifics for your age group to determine whether or not you meet the requirements.
What You Will Receive
Social Security Disability payments are sent the month after they are due. If your claim is approved, you will receive a letter with the amount you are going to receive that the date your benefits start. This start date is during the 6th complete month after you became disabled. That means that for five whole months and any partial month you will not receive benefits. And for your first month, the payment comes the following month. For many people this is a very difficult time, and having any further delay can be very frustrating. You should certainly file your claim for Social Security Disability as soon as you think you may be eligible.
The amount you receive will be based on your previous salary and work as well as the expenses you have related to your disease or injury. Because you can only qualify for Social Security Disability if you have a long term disability, you may find that the amount is enough to get by on, but not much more. Social Security Disability is designed to help you get the basics when you are no longer able to work due to a disability.
