| Social Security Disability
Social Security Disability Benefits (Title II) are available to disabled individuals who meet Social Security requirements in terms of both disability and eligibility. Supplemental Security Income benefits are available to individuals who are disabled and are poor and have limited assets. The disability requirements for Supplemental Security Income benefits are the same as Title II, but the monthly amount is generally much lower because it is a "needs" based amount rather than an amount based on insured status. Title II Benefits, on the other hand, are generally payable up to 80% of your earnings. to a maximum amount, as determined by your average current earnings (ACE) score, and do not consider your assets in determining the benefit. If you are receiving worker’s compensation benefits or similar disability payments, there is an offset when a claimant is receiving benefits from a state for federal worker's compensation program. Private pension or insurance benefits, as well as Vetran's benefits, are not subject to the offset. Other Social Security disability benefits include dependency (Auxiliary) benefits, Medicare health insurance (after two years), and vocational rehabilitation for those qualified.
Disability: An injured person may be eligible for Social Security Disability Benefits if they are unable to engage in any substantial gainful activity because of a medically determinable physical or mental condition which has lasted, or expected to last, for a continuous period of not less than 12 months, or result in death. To meet this condition, an individual must have physical impairments of such severity that they are not only unable to engage in their previous work, but cannot, considering their age, education, and prior work experience, engage in any other type of substantial work which exists in significant numbers in the national economy.
Eligibility: To be eligible for Title II Disability Benefits, you must have enough credits accumulated. Generally, you need 40 credits to be full insured, 20 of which were earned in the previous 10 years before becoming disabled. For individuals under age 31, the requirements for determining eligibility are a little different because they have not had enough time to work to meet the quarterly requirements. For Supplemental Securtiy Income benefits, indiviuals cannot have resources greater that $2,000.00, and a couple cannot have resources greater than $3,000.00. SSA does not include certain resources such as the disabled persons home, household goods, personal property, certain life insurance policies, and a car. Unlike Title II Disability, Medicaid coverage is available immediately upon the first month of disability onset or the date of the disability application, which ever is later. |
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