Social Security Disability Insurance BenefitDid you know that Social Security provides a Social Security Disability Insurance Benefit to you? They do! Disability Retirement can happen to anyone, any time! One third of Social Security recipients are disabled or the spouse of a deceased person. Believe it or not, in January 2010, one of four people become disabled before retirement. live healthy through your retirement years! There is no guarantee that any of us have a "tomorrow" at work, and Social Security provides a disability insurance benefit income for those who need it. It also prevents you from having to get quotes for disability insurance. You might be in an unexpected car accident and can never work again, or have an illness that prevents work... either way, assuming you meet the disability requirements, the Social Security Disability Benefit is there for you. There are approximately 5.2 million adults in the USA who receive checks from Social Security Disability Insurance Benefits -- and many would have no income at all, if there was no Social Security Disability Benefit available to them. Social Security Disability Benefit eligibility This disability benefit isn't easy to get, and it often takes 2 - 5 years to get approval, but in the end, it's well worth the time and effort (and many appeals) as it provides that lifetime income and Medicare insurance too! Update 2011: In my local newspaper, the Macomb Daily (dated 2/24/2011), I read that US Rep, Sandy Levin, met with Social Security employees on how budget cuts would hurt disability applicants. Social Security faces a 9% budget cut which I do understand as every government agency (local and Federal) is dealing with huge downsizing. BUT -- One worker has a caseload of 5000-10,000 Disability applicants to track their eligibility (before any budget cuts). Yikes! Unbelievable! Five Month Waiting Period without Benefits There is a five month waiting period for Disability benefits through Social Security. This waiting period begins from the onset of your disability. You will not receive any disability pay for these first five months. Honestly, it usually takes 2-3 years of hearings and appeals before Social Security Disability is approved. Compassionate Claims: Faster Approvals for cancer and other well-documented claims. Some Social Security Disability claims, sometimes called "compassionate allowances", let Social Security approve these claims with only minimal documentation. Most cancers are included, as well as other diseases that have been documented. This is good news for those who qualify as you shouldn't experience the wait, or need an attorney, like most do! Social Security Disability Guidelines Social Security has tough eligibility guidelines for disability. They only allow disabilities who can't work (earn less than $800/month) and the disability must be expected to last at least one year. The Social Security Disability division gets lots of fraudulent cases, so the wait is long and the approval is even tougher. However, if you can't work, this provides an income (and Medicare) to you, and will be paid retroactively when it finally gets approved. Social Security Attorneys You will probably need Social Security attorneys. Be sure to read my 2011 update above.. you need representation so you aren't lost in all those disability files! Apply for Social Security Disability The Social Security disability form is at this link. This link for an adult who has worked for years and has paid into Social Security. Younger disabilities (children under age 18), apply here. Social Security Disability Kit (download) Read more here or download the Social Security disability kit. Disability Retirement and "Full Retirement Age" under Social Security At your full retirement age, you will be changed to a regular Social Security benefit and are no longer called a Disability. This changes your status alone - it does not affect your benefit payment at all. More Social Security here.
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