Posted: Thu Apr 10, 2008 6:58 am Post subject: Social security disability
How does social security look into disability?
Also would like to know about Supplemental Security Income!
awaiting replies,
Biondi_R _________________ Register Now to have your Insurance queries solved.
Hi..SSI is actually a federal income program that is supported by the govt tax-revenues. _________________ Register Now to have your Insurance queries solved.
True!!
But then, such taxes are not the social security taxes.
It is just providing cash to meet the basic needs like clothing, food & shelter for people who have either become old or lost their vision or got disabled with almost no money or too less to spend. BradG _________________ Register Now to have your Insurance queries solved.
Well disability as defined under social security is a bit different than other disability programs. Over here, disability denotes a 'total disability'. Thus, it clearly indicates that no benefits would be paid to the policy holders for partial disability or short-term disability. It is measured upon your inability to perform at work.
Thanks for coming & asking..
Charles-braveheart _________________ Register Now to have your Insurance queries solved.
How does social security look into disability?
Also would like to know about Supplemental Security Income
Social Security benefits must be earned through taxation on wages by the feds. A person must attain what's known as "fully insured" status through the S.S. Administration, which consists of 40 quarters (10 years) of paying into the SS system at a minimum. You must also be "disability" insured through the SS system, which I could explain if you absolutely needed it. If you aren't both of these- no benefits.
THEN you have to qualify for SS Disability Income, or SSDI. That's the tough part. You must meet the SS definition of "totally and permanently disabled," which is much more restrictive than what's found in group or individual disability policies. You must be unable to work at virtually ANY substantial occupation in the entire national economy
THEN, your disability must be expected to last at least 12 months or result in your death. If not, you won't get benefits.
THEN, you have a five-month waiting period, with benefits payable at the end of the sixth month. THAT'S if you're lucky. Most SS beneficiaries wait a year or longer to receive their benefits. This is a tough deal, and it's, at times, extraordinarily difficult to navigate your way through this maze.
SSI, or Supplemental Security Income, is a separate federal benefit that is normally available for families that lose a wage-earner and meet federal grid guidelines as to household income, number and ages of dependents plus a couple of other qualifiers. It is available at the same time other survivor benefits are paid, but not for disability claims. This benefit can be a life-saver if utilized properly.
Hope this helps, and let us know if there's anything else.
Posted: Sun May 25, 2008 7:12 pm Post subject: is this
sorry for incomplete previous post, but wanted to know is this applies to all of those who lost employment even if other member is working in the family
Posted: Wed Oct 08, 2008 9:24 pm Post subject: Disability Insurance
Also, a lot of times after you apply you will be denied in the initial weighing of the case (I think like 68% of initial claims are denied), but then you can appeal the process with a disability lawyer and many times you will still get disability. You can look it up on the internet, it's a very complicated process a lot of the time. There are lots of sites with information about it, but if you're far in to the appeal process, [url]this site[/url] has a lot of good not-often-known tips to succeed in your appeal. _________________ Register Now to have your Insurance queries solved.
Yes I also here it is very hard to get. I did not know that you had to be the bread winner in the family. Thats a new one to me. Here in these parts I see the other partner getting benefits whether the other is working or not. Thats probaly mostly because this is such a destitute area that people have found it a way of life and do almost anything to get it. It really ruins it for the honest hard working pople.
I also think it is bad that you have to wait so long to get it when by the time ytou do you could lose everything. But I know first handed how that can happen. My first husband had kidney cancer that was really advanced by the time we caught it and he was actually dead before any benefits came through...Over a year fighting the disease and 5 mmonths deceased ...then ikt was approved. In any case Good Luck.
