If you become disabled, you may be aware that the Social Security Administration (SSA) offers disability benefits for individuals who are not able to work either temporarily or permanently. This benefit is known as Social Security disability insurance (SSDI). SSDI benefits are available to adults and children who qualify under certain criteria. Not all disabilities are eligible, therefore, it is essential to talk to a Social Security disability attorney in Lake Oswego, OR for an in-depth consultation concerning your specific case. A knowledgeable Social Security disability attorney in Lake Oswego, OR will be able to assess whether your disability or impairment meets the requirements set by the Social Security Administration.
The process of obtaining benefits can be overwhelming and complex, but once you are approved for benefits, you will be able to receive financial and medical assistance to help with bills, visits to the doctor, prescriptions, and living expenses for you and your family. As part of the requirements to receive disability benefits, you must be at least under the age of 65 and unable to work for at least a year. Disability benefits are not available to individuals who are partially disabled, or those who have a short-term disability of fewer than 12 months. It is wise to seek the professional assistance of an experienced Social Security disability attorney in Lake Oswego, OR to help guide you through the application process and improve your odds of getting approved for benefits.
Social Security disability insurance benefit payments are disbursed once a month to recipients. The amount an SSDI recipient receives is based on the average lifetime earnings before the disability started known as credits. Accordingly, disability benefits are not based on the severity of a disability or on the amount of income a person has. The amount of support that someone with a disability usually receives ranges between $800 to $1,800 per month. The average is around $1,200 per month. The maximum benefit, however, is about $3,000.
Benefit amounts can also be affected by other financial sources such as workers’ compensation or temporary state disability benefits. If you are receiving or plan to receive worker’s compensation or temporary state disability benefits, it is important to talk to a Social Security disability attorney in Lake Oswego, OR to discuss how these other kinds of financial sources may affect your SSDI benefits.
Unlike workers’ compensation or temporary state disability benefits, if you receive disability benefits from a private long-term disability insurance policy, your SSDI benefits will not be affected. Likewise, if you receive Social Security Income (SSI) or VA benefits, your Social Security disability insurance benefits will not be affected as well.
SSDI monthly benefit payments are not uniform across the board. Every case is unique, and as such, the SSA calculates the amount a recipient receives on a case by case basis. To calculate an individual’s benefits, the SSA uses a complex formula that takes into account the amount of income on which Social Security taxes were paid. To gain a better understanding of the amount of SSDI benefits you may be eligible to receive, you can consult with a skilled Social Security disability attorney in Lake Oswego, OR.
In addition to monthly payments, recipients become eligible for Medicare coverage after 24 months or two years of receiving SSDI benefits. Recipients are usually automatically notified by the SSA of their eligibility with Medicare. If, however, you have a certain extreme medical condition, you could qualify for immediate Medicare coverage. Again, to immediately qualify for Medicare, the SSA has to deem your condition eligible. To determine if your disability or impairment qualifies for immediate Medicare coverage, talk to an expert Social Security disability attorney in Lake Oswego, OR.
If you do not qualify to receive immediate Medicare coverage, you may qualify for Medicaid if you meet income conditions. If you fall under the federal poverty level (FPL), you could be eligible for Medicaid. If eligible for Medicaid, your SSDI benefits will not be reduced or affected. However, keep in mind that in order to receive Medicaid, SSDI benefits have to fall under the low-income or FPL to qualify. Most recipients of SSDI benefits do not qualify for Medicaid since their payments are higher than the cutoff amount.
If your family income decreases due to your disability or impairment, they can be eligible to receive benefits upon your SSDI approval. For instance, children under 18 can apply separately for financial assistance to complete their education. If children have a deceased parent, they could be entitled to their parent’s SSDI payments. Also, children under 18 could be eligible for Medicaid or the Children’s Health Insurance Program (CHIP).
SSDI benefits vary, and not everyone may be eligible to receive all of them. However, it is highly recommended to seek the assistance of a Social Security disability attorney in Lake Oswego, OR to verify the benefits you’re eligible for under your unique case.