Types Of Social Security Disability Benefits
Becoming disabled can bring about various questions and concerns about one’s overall well-being. One of those major concerns is the loss of income. The majority of people who become disabled usually suffer a serious financial loss. Unfortunately, following a disability, a person’s financial, emotional, and physical capacity may not be the same. As such, it is important to know that resources exist specifically for these challenging situations. And although it may not reverse or restore a person back to their former state, the Social Security Administration (SSA) offers a program to help lessen the financial and medical strain imposed upon a person with a disability.
If you have become disabled and can no longer work, it is highly recommended to consult with a Multnomah County, OR Social Security disability attorney as soon as possible. A knowledgeable Social Security disability attorney can help explain the Social Security disability benefits available through the Social Security Administration.
The Social Security Administration offers two different types of Social Security disability programs. The programs consist of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Though people confuse the programs because they both offer cash benefits for disabled individuals, the programs are distinct in that the financial eligibility requirements differ. If you are disabled and require disability legal assistance, our team of expert attorneys at Disability Law can help determine the right program for your needs. We serve clients throughout the Portland, Oregon and Multnomah County area.
Social Security Disability Insurance (SSDI)
Social Security Disability Insurance is available to individuals who have a qualifying disability, under the age of 65, and enough or sufficient work credits. A qualifying disability is a medical condition that meets the Social Security Administration’s definition of disability. The SSA has a list of impairments along with criteria to assess and evaluate whether an individual falls under their definition of disability. However, if an impairment is not listed, it does not automatically mean that a person’s disability does not qualify. The SSA reviews each circumstance on a case by case basis. As a result, it is beneficial to seek the assistance of a Multnomah County, OR Social Security disability attorney to help with a disability case. An experienced Social Security disability attorney can make sure that all the necessary paperwork is correctly submitted and that the eligibility requirements are met in order to secure a successful outcome.
Aside from meeting the definition of disability under the SSA’s guidelines, to qualify for Social Security disability Insurance benefits, one of the other requirements specifies that the individual must have worked for a certain number of years. In other words, the person applying for benefits must have paid into the Social Security system by paying taxes through their employment. It is a common misconception that SSDI benefits come out of taxpayer dollars. However, as mentioned, a person who has worked for a certain period of time is entitled to receive benefits if he or she becomes disabled and has paid into Social Security taxes.
The Social Security Administration assigns work credits that are based on the applicant’s yearly wages or self-employment income. A person can earn up to four work credits a year, and they can vary from year to year depending on income earned. Moreover, the number of credits needed to qualify for benefits depends on the applicant’s age when they became disabled. For further details on work credits and SSDI benefits eligibility requirements, it is advised to talk to a Multnomah County, OR Social Security disability attorney.
Social Security Income (SSI)
Disabled individuals who do not have sufficient work credits to qualify for SSDI benefits, or who are low income may be able to qualify for Social Security Income benefits. Social Security Income benefits are available to those who meet the SSA’s means test. The program does not take into account work history. It bases eligibility on financial need. The SSA requires that a single person cannot have over $2,000 in assets. For couples, the cap is $3,000. Both singles and couples must have a limited income as well.
If a person qualifies for Social Security Income benefits, they are also eligible for Medicaid. Some disabled SSI applicants could also be eligible for food stamps. However, it will depend on the applicant’s individual circumstances as well as the state of Oregon’s income requirements. If you are unsure as to whether you qualify for Social Security Income benefits, it is wise to talk to a Multnomah County, OR Social Security disability attorney who can assess your case.
At Disability Law, we can help you with your disability application from beginning to end. We will walk you through the whole process and ensure a smooth execution. We serve the entire Portland, Oregon and Multnomah County area. Contact us today for a consultation.