One in every four American citizens lives with some type of disability. According to the Centres for Disease Control (CDC), 26% of American adults – which translates to about 61 million disabled persons – have some form of disability. Unfortunately, this population faces a higher risk of economic difficulties.
However, a good number of them can engage in substantial and gainful activities, but even so, those who do still encounter some challenges. For those who don’t have such opportunities, making a living is an even tougher undertaking. And this is where the Social Security Disability Insurance comes in.
Here’s a better understanding of the social security disability insurance:
In layman’s terms, this is a United States Federal program that offers an economic lifeline to those affected with any form of disability, hence the name Social Security Disability Insurance. This is a scheme that will also include members of your family in case they are affected by a disability that keeps them from engaging in substantial and gainful activities. Ideally, you could get the right legal advice from a qualified attorney to help with such issues. Applying to the scheme will, however, apply to those who’ve been working long enough and have been paying social taxes. Another main qualifier is to have a Social Security Number.
If you are disabled and cannot engage in any meaningful income-generating activities, you could qualify for SSDI. But as earlier mentioned, you need to have been enrolled in a social security scheme and armed with the social security number. You also need to have worked long enough to earn work credits. These are credits earned for every $1,410 earned and with a maximum of 4 earned credits annually. In short, you require about 40 credits to qualify. However, younger citizens are exempted from this rule.
When it comes to enrolling in Social Security Disability Insurance, it’s important that you consult the right government agencies. The two main government agencies mandated to handle SSDI issues are:
Your decision when enrolling in the social security disability insurance scheme will be based on facts. You need to know all that pertains to the program, and the best way is to know the pros and cons. These include:
As aforementioned, you have to have a Social Security Number in the U.S to pay your social security taxes as well as apply for the SSDI. To apply for the SSN, you need the following:
If you are an alien but are approved by the Department of Homeland Security, you’ll require the following:
It is important to note that the application process is free and that all the above-mentioned documents should be presented in their originals to the local Social Security Office.
Being away from work as a result of disability is no easy thing. It’s equally challenging when living with a disabled kin. If you are facing such difficulties, the SSDI (Social Security Disability Insurance) can be of great help. You could visit your Disability Determination Services or Social Security Administration Offices or use the above pointers to help you out.
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