There is a lot of confusion as to who can get social security disability insurance benefits. Many people believe that you already have to be at the age to collect social security to get it, but you do not. And state disability insurance is another issue, so people get confused as to whom and what can provide them with the social security disability insurance that they need.
The Eligibility Requirements For Social Security Disability Insurance
Anyone can get social security disability insurance, but it depends on how long you have been paying into social security taxes and what your income is. Most people are eligible for social security disability insurance as long as they have a steady work history. You can draw on this social security disability insurance before the age of 65 as long as you have been a steady worker, paying in all of your taxes each year.
Depending on your income and how much you have worked, you may be able to qualify for a monthly payment that equals the amount that you would get if you had reached the age of 62 at the time the disability had occurred.
Social security benefits also increase with inflation, so you will be well protected if you need to draw from your social security disability insurance. But you will need to be aware that if you have received a reduced retirement benefit or other disability benefit, you will notice that you social security disability insurance benefit will also be reduced. And once you reach 65, your disability benefits will stop, letting your retirement benefits take over.
How Does Someone Qualify For Benefits?
If you think you may be able to cheat the system in order to get these benefits, you will want to think again. Social security disability insurance is only given to those who qualify for it, and there are very strict definitions of a disability according to the Social Security Administration. You must be unable to engage in any substantial gainful activity because of a physical or mental impairment.
\This impairment must be expected to result in death or last for longer than 12 months. The guidelines may sound heartless, but this is to keep the benefits going to those who need it and not for people who will eventually recover from their disability. This is something to think about when you are shopping for disability insurance.