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With Regards To Social Security Disability: What You Must Be Aware Of Prior To Filing For Handicap Benefits
The majority of people think of giving up work when they hear Social Security, however Social Security will provide benefits to people who are disabled as well.
The listing of requirements that must be met for Social Security disability benefits is pretty lengthy, and many people don't meet up those requirements. In reality, the Social Security Administration argues over 60% of applicants usually are denied each year simply because they don't meet the strict classification of disability.
Before filing for disability - tests you have to meet to determine if you are eligible for benefits:
First, you have to be fully covered by insurance, which means you have gained 40 credits over 10 years in protected employment. In 2011, you must earn at least $1,120 to receive one credit and $4,480 to earn four credits (you can only earn four credits in a year). If you have less than 10 years of work history, there is an alternative evaluation based on your age to determine if you meet the duration of function test.
The second test is the newest work test, which essentially says that you must have received at least 20 credits in the last five out of ten years that concludes with the calendar quarter you became disabled. In general, you should have recent work record in order to qualify for disability benefits. Again, alternate tests apply for individuals that become disabled before age 31, given that they haven't had time to build the work history that more mature workers have.
Social Security has a very strict definition of impairment, so make sure you meet the requirements before filling your Social Security disability application. It's important to note that Social Security is not going to pay benefits based on partial disabilities, you must be totally and permanently disabled to be receiving benefits. According to Social Security one is handicapped when he or she is not able to work because of a medical problem or condition that lasted or can be anticipated to last for at least one year (continuously), or which will result in the person's loss of life. Also, the person must not be able to participate in any "substantial gainful activity".
If you meet the strict definition of disability above, then you should apply for Social Security benefits as soon as possible. First, the time to process your application is extremely lengthy; second, there is a mandatory five-month waiting period, so you will not receive health benefits right away when filing for handicap.
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