Social Security Disability is a federal program that provides financial assistance to individuals who have become disabled and are unable to work. The program is administered by the Social Security Administration (SSA) and is designed to provide benefits to people who are no longer able to work and support themselves due to a physical or mental impairment.
To be eligible for Social Security Disability benefits, a person must meet the following criteria:
- The individual must have a physical or mental impairment that is expected to last for at least 12 months or result in death.
- The individual must not be able to engage in substantial gainful activity (SGA), which is defined as the ability to earn more than a certain amount each month. In 2023, the SGA amount is $1,310 per month for non-blind individuals and $2,190 for blind individuals.
- The individual must have worked and paid Social Security taxes for a certain amount of time, depending on their age at the time of disability.
If an individual meets these criteria, they may be eligible to receive Social Security Disability benefits, which are paid monthly and are based on the individual’s average lifetime earnings prior to becoming disabled. In addition to financial assistance, Social Security Disability recipients are also eligible for Medicare after a two-year waiting period.
To apply for Social Security Disability benefits, an individual can visit the SSA’s website or contact their local SSA office. The application process can be complex and may require medical documentation, so it is recommended that individuals seek assistance from an attorney or advocate to help them through the process.
Here are some frequently asked questions about Social Security Disability:
- Who is eligible for Social Security Disability benefits?
Individuals who have a physical or mental impairment that is expected to last for at least 12 months or result in death, who are unable to engage in substantial gainful activity (SGA), and who have worked and paid Social Security taxes for a certain amount of time may be eligible for Social Security Disability benefits.
- How do I apply for Social Security Disability benefits?
You can apply for Social Security Disability benefits online or by contacting your local Social Security office. The application process can be complex and may require medical documentation, so it is recommended that you seek assistance from an attorney or advocate to help you through the process.
- How long does it take to get approved for Social Security Disability benefits?
The approval process for Social Security Disability benefits can vary, but it typically takes several months to receive a decision on your application. If your application is denied, you can appeal the decision, which can take several more months.
- How much money will I receive in Social Security Disability benefits?
The amount of money you will receive in Social Security Disability benefits depends on your average lifetime earnings prior to becoming disabled. The maximum benefit amount in 2023 is $3,148 per month.
- Can I work and receive Social Security Disability benefits?
If you are receiving Social Security Disability benefits, you are allowed to work and earn up to a certain amount each month without losing your benefits. In 2023, the amount is $1,310 per month for non-blind individuals and $2,190 for blind individuals.
- Will I be eligible for Medicare if I receive Social Security Disability benefits?
Yes, if you are receiving Social Security Disability benefits, you will be eligible for Medicare after a two-year waiting period.