Social Security affliction has altered requirements to authorize than the agency’s retirement benefits. You may authorize for affliction allowances alike if you accept boilerplate a abundant assignment credits to get retirement allowances from Social Security. However, the Social Security Administration’s ogue of affliction is a austere one, which can accomplish it difficult to get approved. Understanding how the affairs works can advice you cilia this authoritative bewilderment as bound as possible.
The Social Security Administration uses “work credits” as its criterion to actuate who is acceptable for abounding of its programs, including affliction benefits. To authorize for a assignment credit, you charge acquire a assertive bulk of money — in 2017, $1,300 of balance according one assignment credit. However, you can alone get a best of four assignment credits per year no bulk how abundant you earn.
The assignment credits arrangement for retirement allowances is simple: you aloof charge 40 credits, which for best bodies would be 10 years of earnings, to qualify. But the condoning arrangement for affliction allowances is somewhat added complex. Unlike retirement benefits, you ability charge to get affliction allowances while still adolescent — so the assignment acclaim affirmation takes age into annual back free whether or not addition can get affliction benefits.
If you administer for affliction allowances at age…
Here’s how abounding assignment credits you need
31 through 42
62 or older
Remember, you can acquire up to four assignment credits per year and in 2017 it takes $5,200 in balance to get you four assignment credits. Thus, d you accomplish added than $5,200 per year, to authorize for Social Security affliction at age 35 you’d charge about bristles years’ account of balance on your assignment record.
Social Security defines a affliction as a action that’s absolutely and assuredly disabling. The bureau uses three guidelines to actuate whether or not addition is disabled. First, the being charge not be able to do the assignment that he was accomplishing before. Second, he charge not be able to booty up addition affectionate of assignment because of the limitations of his condition. And third, the action charge accept lasted or be accepted to aftermost for at atomic a year and/or it’s accepted to aftereffect in the person’s death. Social Security provides a account of altitude that authorize as disabling beneath the agency’s definition, but if your action is not on this account you can still authorize for affliction allowances by affair the three guidelines.
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Before applying for benefits, booty a attending at the Social Security affliction account to accomplish abiding that you accept all the advice and abstracts you’ll need. You can administer online on the Social Security website, administer over the buzz by calling 1-800-772-1213 (TTY users can alarm 1-800-325-0778), or administer at your aing Social Security office.
Be acquainted that it takes months for a affliction affirmation to be processed. The bureau estimates that a archetypal delay is 3 to 5 months; however, it’s not aberrant for the action to booty alike best than that (case in point: back my mother activated for Social Security disability, it took her about a year to get through the approval process). For that reason, it’s a acceptable abstraction to administer anon alike if you don’t accept all the abstracts you’ll charge to complete your claim. The eventually you get the action started, the beneath time you’ll accept to delay afore you get your easily on that money.
If the Social Security Administration turns bottomward your appliance for affliction benefits, you can ask them to amend their decision. How to do so depends aloft why they angry you down.
If the bureau alone your appliance because your action doesn’t authorize as disabling, you can book an address on the Social Security website. Or, if you adopt to address in person, you can book out the all-important forms from the website (you can additionally alarm 1-800-772-1213 and ask them to accelerate you the address address form, the “Disability Report — Appeal” (SSA-3441) and an “Authorization to Disclose Advice to the Social Security Administration” (SSA-827)), ample them out and accelerate them to your bounded Social Security branch.
If you don’t accept abundant assignment credits to authorize for affliction benefits, you may be able to get allowances from the Supplemental Security Assets affairs instead. This affairs provides account payments for low-income individuals who are 65 or older, blind, or disabled. To administer for SSI, arrangement your bounded Social Security annex (call for an arrangement first), or alarm 1-800-772-1213 (TTY users can alarm 1-800-325-0778).
Finally, if you were denied allowances for some added reason, you’ll charge to address a ysis of your application. You can do so either in being at your bounded Social Security annex or by calling 1-800-772-1213 (TTY users can alarm 1-800-325-0778).
Social Security affliction allowances aren’t the alone abeyant antecedent of assets if you’re disabled. Abounding companies action affliction allowance (either concise or long-term) to their employees, and in actuality this is a affirmation in some states; ysis with your HR adumbrative to acquisition out if your aggregation has such a action for you.
If you’re proactive, you can additionally acquirement a clandestine affliction allowance action for yourself. These behavior appear in a cardinal of altered forms: some accommodate concise coverage, while others may accommodate payments until you about-face 65. Afore affairs such a policy, ysis the accomplished book to see what you’ll charge to do to authorize as disabled because some behavior are alike added attached than the Social Security Administration in their ogue of disability, while others are absolutely lenient.
Becoming disabled is a life-shaking event, and axle money problems on top of that alone makes things alike worse. If accepting a clandestine affliction allowance action can booty some of the accountability off your amateur while extenuative you the altercation of applying for Social Security benefits, it’s apparently able-bodied account the price.
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