About Social Security Disability: What You Must Know Before Filing For Handicap Benefits

About Social Security Disability: What You Must Know Before Filing For Handicap Benefits

The majority of people think of giving up work when they hear Social Security, nevertheless Social Security offers benefits to people who are disabled as well.

The listing of requirements that needs to be met for Social Security disability benefits is pretty lengthy, and many people don't meet those requirements. In reality, the Social Security Administration maintains over 60% of applicants usually are denied each year simply because they don't meet the strict description of disability.

Before filing for disability - tests you must meet to evaluate if you are entitled to benefits:

First, you must be fully covered by insurance, which means you have gained 40 credits over 10 years in protected employment. In 2011, you have to earn at least $1,120 to obtain one credit and $4,480 to earn four credits (you can only earn four credits in a year). If you have much less than 10 years of work background, there is an alternative test 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 attained at least 20 credits in the last five out of ten years that concludes with the calendar quarter you turned disabled. In general, you should have recent work history in order to qualify for disability benefits. Again, substitute tests apply for individuals that become handicapped before age 31, simply because they haven't had time to build the work history that older workers have.

Social Security features a very strict definition of disability, so make sure you meet the requirements before filling your Social Security disability application. It's important to note that Social Security does not pay benefits based on partial disabilities, you must be completely and permanently disabled to receive benefits. According to Social Security one is handicapped when he or she is unable to work because of a medical problem or disease that lasted or can be expected 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 engage in any "substantial gainful activity".

If you meet the strict definition of disability above, then you should submit an application for Social Security benefits as soon as possible. First, the time to process your application is very 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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