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Disability

Disability Benefits

The Social Security Administration (SSA) maintains two types of benefit programs for those Americans who suffer from disabilities. Both programs provide benefit recipients with a monthly benefit amount, but the criteria for qualifying for benefits, and how a benefit amount is determined, is drastically different. If you are disabled and have questions about disability benefits, or how other benefit types from the SSA, such as retirement benefits, may be affected, attending a free workshop provided by Harvest Social Security QA can provide you with the answers you are looking for.

Social Security Disability Insurance

The SSA disability program that most people are familiar with is Social Security Disability Insurance, or SSDI. SSDI benefits are for those people who:

  • Have a qualifying disability (one that is listed by the Social Security Administration or that prevents a person from doing the work they did before or adjusting to other work);
  • Have a disability that has lasted, or is expected to last, for at least 12 months or result in death; and
  • Have worked in jobs covered by Social Security and earned work credits as a result.

Just like retirement benefits, in order to be eligible for Social Security Disability Insurance, you must have earned work credits from the SSA. The number of work credits that you will need in order to collect benefits depends on the age you were at the time you became disabled. However, in most cases, you will need 40 credits. Because you can only earn a maximum of four credits per year, this means that you will have need to have worked for at least 10 years under Social Security before becoming eligible for SSDI benefits, and sometimes longer.

If you are receiving Social Security Disability Insurance benefits, these benefits will automatically convert into retirement benefits when you reach full retirement age, with the benefit amount remaining consistent. As such, you will not receive both retirement and SSDI benefits simultaneously.

Supplemental Security Income

The other type of disability program maintained by the SSA is Supplemental Security Income, or SSI. SSI benefits are for those who have a qualifying disability, are aged, or are blind, and are of limited income and resources. As such, in order to qualify for SSI benefits, you need not have worked in a job covered by Social Security. In fact, SSI benefits are even available to children. However, while there is no limit on the amount of assets a person can possess when applying for SSDI benefits (although there is a limit on the amount of income a person can earn), there is a limit on the resources a person can have in order to be eligible for SSI benefits.

Learn More About Social Security Disability Benefits

For those who are disabled and unable to work as a result, Social Security disability benefits, whether SSDI or SSI benefits, can lend a significant amount of support. However, qualifying for benefits and proving disability can be difficult to do, and every year, thousands of SSDI/SSI claims are rejected by the Social Security Administration.

If you want to learn more about how to apply for benefits, how much your benefit amount may be, and how SSDI/SSI benefits may fit into your plan for the future, sign up for a free workshop offered by Harvest Social Security QA today. We offer workshops in Indiana towns near you!

No Charge to Attend! Seating is limited, so sign up today!

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Harvest Financial Planning, LLC to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.  Harvest Financial Planning, LLC Is Not Associated With The Social Security Administration Or Any Government Agency.