If you are wondering what Social Security Program you should apply for, or if there is assistance if you have not worked enough to qualify for Social Security Disability (SSDI), here is the run-down on what Uncle Sam has to offer.
As if life was not complicated enough, disability adds an entire other dimension to complications! Then in the confusion of governmental acronyms are two programs that Social Security administers for which disabled individuals are eligible to apply for benefits: SSDI, Social Security Disability Insurance and SSI, Supplemental Security Income.
Each program has specific criteria for receipt of benefits, but the recipient must first meet the definition of being disabled. The specific definition of disability for social security is strict and based on one’s ability to work. There are five ‘steps’ an individual can use to determine if they should apply for social security benefits and have a chance for a successful claim. Before getting ahead of ourselves, however, let’s look at the difference between the two programs.
SSDI – SOCIAL SECURITY DISABILITY INSURANCE. This is an insurance program paid for by the taxes of workers. It is paid to you and qualified family members, but one must have paid in to the program for a certain period of time prior to collecting benefits. This time period is called the qualified quarters of work or duration of work test. (http://www.ssa.gov/pubs/10029.html) The amount of benefit is typically based on the amount of your reported earnings throughout your working career. A general rule if you have worked 50% or more of the last 10 years you should qualify.
SSI – SUPPLIMENTAL SECURITY INCOME. A program funded by tax revenue to help elderly, disabled and blind individuals who have little or no income; Provided for necessities, food, clothing, shelter and other basic needs. Other sources of income or assets are considered prior to approval and these resources are capped for individuals and couples before meeting eligibility criteria.
Sound confusing still? If so, don’t despair! The social security administration allows people to use a representative to work on their behalf. That is either an individual or an attorney who is skilled in social security disability cases can help relieve the anxiety and frustration of applying for your benefits. (http://www.ssa.gov/pubs/10075.html)
To learn more, I recommend you complete my FREE SSDI mini course so you can maximize your chances of winning.
Helping YOU Win Disability Income!
Brian Therrien
Understanding Continuing Disability Reviews: Key Updates and Guidance
Welcome to our latest blog post where we delve into the critical topic of Continuing Disability Reviews (CDRs), which are essential for individuals receiving disability benefits. The focus today is on recent statistics and personal anecdotes that highlight the ongoing importance of staying informed about CDRs.
What is a Continuing Disability Review?
A Continuing Disability Review is a routine process for individuals who have been approved for disability benefits. The Social Security Administration (SSA) conducts these reviews to determine if the health of a beneficiary has improved to the point where they can return to work, and thus no longer qualify for benefits.
Recent Case and Discussion
Recently, a case surfaced involving a person who had been receiving Social Security Disability Insurance (SSDI) for end-stage kidney failure since they were 20. Despite their condition remaining unchanged, they received a notification of health improvement at age 50 and were at risk of losing their benefits. This situation underscores the unpredictability and significance of understanding the CDR process.
How CDRs Work
During a CDR, beneficiaries might be asked to complete a short or long form detailing their current health status. The forms are then reviewed, and if further information is needed, a full medical review may be initiated. It's crucial for recipients to respond promptly to any communications from the SSA to avoid complications or cessation of benefits.
Statistics and Trends
In 2022, approximately 1.5 million of the estimated 9 million disability recipients underwent CDRs. Of these, about 125,000 had their benefits terminated. These statistics reflect a consistent review rate, with an apparent annual increase in the number of reviews conducted, emphasizing the necessity for beneficiaries to stay vigilant.
Key Takeaways
Stay Informed: Always keep your contact information up to date and pay close attention to all correspondence from the SSA. Missing a notification or failing to respond can lead to benefit termination.
Understand the Review Frequency: Depending on the expectation of medical improvement, reviews may occur more frequently. Typically, conditions considered likely to improve are reviewed sooner and more often.
Prepare Adequately: If a review is scheduled, ensure all medical documentation is current and complete. Understanding the review process and preparing accordingly can significantly affect the outcome.
Seek Expert Advice: Engaging with professionals who specialize in disability rights and CDRs can provide crucial support and guidance. For instance, next week, we will feature an in-depth discussion with Attorney James Mitchell Brown, a veteran in the field of social security disability.
Conclusion
Continuing Disability Reviews are a standard part of the disability benefits process, but they can be daunting. By staying informed, prepared, and proactive, beneficiaries can navigate these reviews successfully. Remember, the goal is not only to retain benefits but also to ensure that the support aligns correctly with the individual’s current health needs.
Stay tuned for more updates and expert insights in our upcoming posts, and don't hesitate to reach out with your questions or for further information.
Brian
Continuing Disability Review Update
Brian
Social Security Disability Check GOOD NEWS
Brian
5 Things Social Security Disability Recipients Should Not Do
