Click To Call Workers are entitled to pay their bills with Social Security Disability Insurance benefits when disabled for a year or more. If your loved is suffering from a severe physical or mental disability, contact The Law Offices of LaVan & Neidenberg, P.A. LaVan & Neidenberg are disability attorneys that win disability claims

Defining Social Security Disability Insurance (Part A)

Social Security Disability Insurance (SSDI or SSD insurance) is part of the three-pronged financial protection plan created by the Social Security Act of 1935. Medical benefits were added to cash payments with an amendment in 1965, and subsequent additions created special programs for insured disabled workers.

In addition to SSDI protection, Social Security pays Old Age Insurance when you turn 65 and Survivors Insurance to certain relatives when a worker dies. These allotments help to ease the burden of a sudden and protracted loss of income. They protect some of society's most vulnerable citizens: widows and widowers, children, the aging, and the disabled.

When you are fully disabled and unable to work for 12 months or more, you may be eligible for SSD insurance benefits. A doctor must diagnose your condition and declare that it will take more than a year to resolve and restore your health, or that you will not be expected to recover prior to your death. You'll have to wait 5 months from when you stopped working to begin receiving money. Your Medicare benefits begin 24 months later.

Where Does Social Security Disability Insurance Money Come From?

Workers who earn wages through paychecks or self-employment are required to pay taxes to the federal government. A portion of these personal income taxes (6 to 12%) go to Federal Insurance Contributions Act (FICA). The latter fund Social Security programs, including disability insurance. You will notice these deductions on your check for each pay period. They are not refunded at the end of the year.

The Social Security Administration (SSA) keeps track of the FICA amounts that you pay annually and reserves them in an account. This money is intended for Old Age Insurance payments that you can access upon retirement when you turn 65. If you are disabled sooner, however, you can file a disability claim to access your FICA funds through SSDI.

A physical or mental disability can ruin and completely change your life. If you are disabled and can no longer work because of your condition, you should contact a Social Security Disability attorney to learn about your rights and determine eligibility. Social Security has strict deadlines on when you can file or appeal a disability claim.

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