If you are unable to work due to a disability, illness, or injury, you might be a candidate for benefits like Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) from the Social Security Administration. Understanding eligibility and duration of these benefits is crucial.
Eligibility Criteria for Social Security Disability Benefits
To determine eligibility, visit your local Social Security Administration office and apply. Eligible individuals are U.S. citizens or permanent residents who are either 65 or older, blind, or have a disability. For SSI, proof of limited income and resources is necessary. The Administration uses "substantial gainful activity" (SGA) to assess eligibility, with an income threshold of $1,170 per month in 2017.
Processing Time for Eligibility Assessment
The time frame for a decision varies by regional workload, typically ranging from three to four months. In cases of severe disability and urgent need, your case may qualify for Compassionate Allowances, expediting the process.
Assessment of Disability or Blindness
Your claim is reviewed by the Disability Determination Services, a state agency. They may consult with doctors, schools, relatives, or psychologists to evaluate your disability status. If further information is needed, they will arrange a medical evaluation.
Differences Between SSDI and SSI Benefits
SSDI is funded by employment taxes, while SSI is supported by general taxes. Consequently, SSI has stringent income and resource limitations for eligibility.
Working While Receiving Benefits
Beneficiaries of Social Security disability are encouraged to work if able, with continued benefits under certain conditions. Benefits cease when the recipient is able to engage in SGA, except during participation in vocational rehabilitation or support programs.
Reporting Work and Earnings
If your condition improves and you return to work, inform the Social Security Administration about any changes in your condition and income.
Discontinuation of Benefits Upon Returning to Work
Upon reaching SGA level or medical improvement, benefits continue for two more months, provided income criteria are met. Participation in work incentive programs or the Ticket to Work program may extend this period.
Understanding the Ticket to Work Program
This program involves collaboration with an employment network or state vocational rehabilitation agency to create a work plan. Participants must engage in academic or vocational training, meeting specific educational and employment criteria annually. The program, depending on the degree or certificate pursued, can extend benefits for up to six years, aiming to facilitate a self-sufficient career.