On The Subject Of Social Security Disability: What You Should Understand Ahead Of Filing For Disability Benefits

On The Subject Of Social Security Disability: What You Should Understand Ahead Of Filing For Disability Benefits

Most people think of giving up work when they hear Social Security, nevertheless Social Security provides benefits to people who are incapacitated as well.

The bunch of requirements that must be met for Social Security disability benefits is pretty lengthy, and many people don't meet those requirements. In reality, the Social Security Administration says over 60% of applicants usually are denied each year as they simply don't meet the strict definition of disability.

Prior to filing for disability - tests you need to meet to determine if you are entitled to benefits:

First, you must be fully covered by insurance, which means you have earned 40 credits over 10 years in protected employment. In 2011, you have to earn at least $1,120 to earn one credit and $4,480 to earn four points (you can only get four credits in a year). If you have less than 10 years of work background, there is an alternative test based on your age to determine if you meet the duration of work test.

The second test is the newest work test, which fundamentally says that you must have earned at least 20 credits over the past five out of ten years that ends up with the calendar quarter you became disabled. In general, you should have recent work history in order to qualify for disability benefits. Again, alternative tests apply for individuals that become handicapped before age 31, since they haven't had time to establish the work history that some older workers have.

Social Security has a very strict definition of disability, so make sure you qualify before filling your Social Security disability application. It's vital that you note that Social Security does not pay benefits based upon partial disabilities, you have to be totally and permanently disabled to receive benefits. According to Social Security a person is handicapped when she or he is unable to work on account of a medical condition or condition that lasted or can be expected to last for at least one year (continuously), or that will result in the person's loss of life. Also, the person will not be able to engage in any "substantial gainful activity".

If you satisfy the strict definition of handicap above, then you should apply for Social Security benefits as soon as possible. First, the time to process your application is very lengthy; second, there is a mandatory five-month waiting period, so you will not receive benefits right away when filing for handicap.

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