Social Security disability benefits are only available to people who meet a number of requirements. The first requirement is that you must have worked in a job that was actually covered by Social Security. Also, you must have a diagnosed medical condition and Social Security must recognize this as a disability. Payments are made to those deemed unable to work for at least one year due to their disability, and these payments are made monthly. The benefit payments will continue to be made monthly until you are able to go back to work. In order to help people return to work as soon as possible, Social Security has a number of incentives in place. These rules help people to continue to receive benefits and to have their health care costs paid so it is easier to get back into work. If you were to remain disabled until you retire, your disability benefit will automatically turn into retirement benefit. However, the amount of benefit they actually receive will not change.
One of the main important factor is the definition of “disability”. Different programs use different definitions when it comes to disability, and Social Security is no different. This is because of the fact that only total disabilities are considered. If someone only has a short-term or partial disability, they do not get considered. For Social Security, being disabled means that there is a complete inability to work. Three criteria are set in order to determine this. The first rule is that you must no longer be able to do the work that you did prior to becoming disabled. Second, your job cannot be changed in order to fit around your disability. Lastly, your disability has to last at least for one year, or is expected to result in death before the year is up. These rules are very strict, but this is because Social Security believes that adults have other means of accessing benefits and resources if their illness is shorter. For example, people may be able to access savings, workers’ compensation, investments or insurance.
Social Security does take a number of special situations into account too. The first exception is for those who are blind or who have low vision. Secondly, there are solutions in place for the widow or widower of the worker. There are also benefits in place for children with disabilities. Lastly, wounded warriors are provided with payments too. If you believe that you should receive disability payments but you are not covered by either the definition or the special situations, you should speak to a local adviser.