The Social Security program is meant to provide financial security to lower-income retired workers, survivors of deceased workers, and the disabled. Unless you have the assistance of a social security disability lawyer in Charlotte, NC, the system can be overwhelming. Sean Williams of The Motley Fool outlined how someone can qualify for Social Security disability benefits, and whether or not the family can be included.
Do I qualify for disability benefits?
The SSA maintains strict qualifications for whoever they consider “disabled”. In short, they prefer not to pay disability benefits to those who don’t truly need them. These people need to get back into the workforce as soon as possible.
Basically, workers need to know how many working credits they have earned before the SSA decides whether or not they are disabled and deserve to receive benefits.
Do I have enough credits?
Workers can qualify for full disability benefits if they’ve collected 40 working ”credits”. Based on 2014’s figures, a working credit is earned with each $1,200 in income, up to a maximum of four credits per year. Put another way, workers who generate $4,800 in earnings in 2014 have earned their maximum four credits for the year. If they continue this over the course of 10 years, they’ll reach the 40-credit requirement for disability benefits.
Am I disabled?
The SSA has criteria that need to be met to qualify as disabled: First, you are incapable of doing the same type of work prior to your disability. Second, your disability prevents you from entering a new field of work. Lastly, your disability is expected to last for longer than a year, or is anticipated to result in your death.
Can my family members qualify for my disability benefits?
Another commonly-asked question is whether or not immediate family members also qualify. The answer is yes: spouses, ex-spouses, and children may be eligible to receive up to half of your disability payment. As with survivor benefits, in order to be eligible, spouses must either be caring for your child who is under 16 years of age or be at least 62 years of age themselves.
There is definitely more to qualifying for SSID than what was covered here. Your best option is to consult experienced social security disability attorneys in Charlotte, NC—like the professionals working with Jan Dils, Attorneys at Law—for the nitty-gritty of the process. Lawyers can also assist in appealing denied disability claims.
(Source: Social Security Disability: Do You and Your Family Qualify?, The Motley Fool)