Things may not always go as expected, and you might find yourself temporarily or permanently disabled. It could be as a result of an accident or a medical condition. People suffering from a disabling condition experience a significant change in the quality of their lives. While temporary disabling can cause you to miss work for months, a permanent case may render you unable to work.
There is, however, some light at the end of the tunnel. If you have a disability, you can apply for monthly disability benefits through the Social Security Administration. However, note that qualifying is not an easy process, and you might need to work with disability insurance lawyers for a successful application. Here is what you need to know about SSDI.
- To be eligible, you must have worked recently
People are only qualified for Social Security Disability Insurance if they have been contributing taxes. The taxes you pay to the government are measured as credits, which you can get every year. The credit limit that you are expected to achieve will depend on your age. It is also worth noting that a percentage of the credits must be achieved within ten years of your work experience before you became disabled. Note that your application will be stronger if your taxes were filed close to the time when you became disabled.
- Spouses are not considered in your application
The income of your spouse, the amount they pay in taxes, and other things are not considered when approving your eligibility. When applying for SSDI, the only thing that is looked at is your income and tax contribution. Your partner’s investments, interest, and credit score cannot be used to determine your eligibility.
- Children are eligible for disability benefits
The idea of disability benefits was not initially designed for children. However, there have been some developments, and children today can get benefits. There is, however, still some requirements that they need to meet. Children can qualify for disability benefits if their parents cannot afford to engage in SGA.
Also, disabled parents can get child benefits to help them take care of their young ones. This is possible provided the adult has earned enough credits.
- Your eligibility will be based on work
The eligibility for SSDI is primarily based on work. What does this mean? You must earn a certain amount of money every month in order to qualify for these benefits. Other sources of income, despite your employment, are also considered when determining your eligibility. Also, note that you must prove that you are not able to work like you used to qualify for these benefits. At this point, the physical requirements for your job are evaluated to determine whether or not you are in a position to work.
If you know that you qualify for the disability benefits, contact a disability attorney to help you pre[are for paperwork and to get other information that can help you make a successful application.