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Social Security Coverage for the Disabled

If your medical condition prevents you from working, you may qualify for disability benefits.

Social Security provides benefits to people who are disabled. Under this program:

  • You must be unable to perform any work for which you are qualified.

  • Your disability must be expected to last at least a year or result in death.

  • You must have earned enough work credits when you were able to work (SSDI only).

  • You must file a formal application.

  • If you are turned down the first time but believe you qualify, you may file an appeal.

If you qualify,

  • You may receive benefits until you are able to work again on a regular basis.

  • Certain members of your family may also qualify for benefits.

  • A number of incentives are available to help you return to work.

Social Security Administration disability programs

  • Social Security Disability Insurance (SSDI): SSDI is for individuals who are working and paying Social Security taxes. You must wait 5 months after disability begins to receive SSDI benefits. You may begin receiving these benefits while you are involved in an approved rehabilitation program.

  • Supplemental Security Income (SSI): SSI makes monthly payments to disabled individuals with few assets and low incomes. No waiting period is required before receiving SSI benefits.

Apply for disability as soon as you become disabled as the claims process can take 3-5 months to complete.

Review of your application: The Social Security office will check your application to see if you meet initial requirements for disability. They will then send your application to your State’s Disability Determination Service for a formal evaluation. Reviewers will gather information from your doctors about your medical condition, history and treatment, as well as your ability to perform normal work activities. You will receive written notice about your claim.

Even if another insurer or government agency has ruled that you are disabled, you must still meet Social Security requirements in order to receive Social Security benefits.

Review periods and termination of benefits: Your case will be reviewed periodically to see if you are still disabled. Your benefits will end if-

  • You work on a regular basis and earn a certain amount of money per month after deducting disability-related work expenses.

  • Your medical condition improves and you are no longer considered disabled (unless you are in a vocational rehabilitation program, like ticket to work, to learn more visit this site. ).

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