In brief, the Social Security Administration (SSA) provides disability benefits to individuals who are unable to work due to a severe medical condition. This impairment must, therefore, significantly limit their ability to earn a living.
The U.S. federal government has a precise and stringent definition of “disability.” While other state and private disability programs might have different criteria, meeting your doctor’s definition of disability does not automatically guarantee approval from the SSA. Often, a hearing is required to determine if your condition meets the federal criteria for disability.
Family members of a disabled worker may also be eligible for benefits under certain conditions:
- Spouse: Your spouse may qualify if they are 62 years or older or if they are caring for your child who is under 16 or disabled.
- Unmarried Children: This includes adopted children and even grandchildren if you provide over 50% of their support. Generally, the child must be under 18. A 19-year-old in high school or an unmarried child over 18 who was disabled before the age of 22 years may also receive benefits.
To be eligible for Social Security disability benefits, you must have worked in jobs that contribute to the Social Security program and have a medical condition that meets the SSA’s definition of disability. Additionally, your impairment must be expected to last at least one year.
If approved, your disability benefits will continue until you are able to return to work. If you reach retirement age while still receiving benefits, they will convert to retirement benefits.
The SSA will evaluate the severity of your illness or injury, its impact on your daily life, your work history, and your education. If they determine that you cannot perform your previous job or any other work, you may be classified as disabled.
Supplemental Security Income (SSI) is available for individuals who are blind, disabled, or elderly and have limited or no income. SSI benefits are used to cover basic needs like food, clothing, and housing.
Although SSI funding comes from a different source and does not require past work history, the criteria for determining disability are the same as for Social Security Disability Insurance (SSD) benefits.
Given the complexity of the laws and the thorough review process, it is advisable to consult a qualified Social Security attorney to navigate the application process. For assistance, feel free to contact our office. Your consultation will be confidential and free of charge.
Call us toll-free on (702) 707-2222.