Social Security disability benefits apply to those persons, who are not able to earn an income because of a disability, or illness that prevents them from going back to work. However, benefits are not always easy to obtain.
Social Security disability payments are governed by the Social Security Disability Insurance federal program. The program applies only to those workers who have suffered a disability, and have not been able to work for more than a year, or are not expected to be able to work for a year or more. The Social Security Administration is responsible for reviewing claims and making payments.
Eligibility for Social Security Disability Insurance
In order to be eligible for Social Security Disability Insurance, you must be a worker who is no longer able to work because of a disability that is expected to last for at least one year. The Social Security Disability program has a definition for the word “disability,” and the person must meet that definition. Further, you must have been employed in the past, and must have earned enough Social Security work credits to qualify under the insurance program.
Social Security Disability Insurance Benefits
Workers who are eligible for benefits under the Social Security Disability Insurance program are eligible for monthly benefits that include Medicare coverage for about 24 months after they begin getting the Social Security payment. You will be eligible for monthly benefits that will cover you for as long as you continue to remain disabled and unable to work. The amount of payment will depend on the amount that you paid in Social Security taxes.
Under the Social Security Disability Insurance program, spouses of Massachusetts workers who are no longer able to work, can also apply for and receive monthly insurance benefits, which can constitute up to 50% of the workers benefits. Even children may be eligible for benefits under the program.
The Social Security Disability Insurance program has stringent standards for the definition of a disability under the program, for determining who qualifies for claims and for determining the amount of the payout. Not all claims are accepted. In case of a rejected claim, however, workers are allowed to file an appeal.