Even though it is not something most people like to think about, becoming disabled is a very real possibility for men and women of any age. Disability can be a gradual process that takes years to impair an individual, or it can be the result of an event that occurred instantly, such as a car accident, an injury, or certain illnesses. Once a person becomes disabled, the physical barriers are not the only stressors that person will likely face. The person’s diminished ability to work and earn an income may also become a substantial concern. Most people realize that resources are available, such as SSI Disability, but often there is uncertainty about the specifics of the program’s benefits.
A person may receive SSI Disability benefits if diagnosed with an illness or medical condition that prevents the person from working. The illness must be expected to last for at least one year or considered to be terminal. Through this program payments are not made for partial disability or short-term disability.
The amount of benefits a disabled person will receive is calculated using a formula that is based on age at the time of the disability and the number of years worked. Certain disabilities, such as blindness, are calculated differently.
To apply for SSI Disability benefits, the Adult Disability Report should be completed. Individuals are encouraged to apply as soon as the disability occurs. The application process can take from three to five months. Information requested in the report includes the disabled person’s social security number, birth certificate, a list of all doctors and other medical professionals who have treated the person, a list of medications, laboratory and test results, a summary of work history, and a copy of the most recent W-2 forms. Other forms will also be requested as part of the application process. These forms will include medical history inquiries to be completed by the patient and release of information forms that will grant permission for treating physicians to share information requested as part of the decision making process.
An agency will review the application and supporting documents to determine if a disability has been established. The individual’s doctor does not determine whether a patient is disabled. The doctor’s role is to provide requested documentation so that the agency can determine whether benefits will be received. Applicants will receive a letter informing them of the agency’s decision. If approved, the letter will provide the amount of SSI Disability benefits the disabled person will receive and when the payments can be expected to begin. If not approved, the letter will explain the reasons for the decision and will provide information on the appeal process.
Depending on the disabled person’s work history, the spouse and children may also be eligible for benefits. The requirements are that the spouse is 62 years of age or older. A spouse under the age of 62 may be eligible if caring for a child who is disabled or under the age of 16. Unmarried children may also be eligible if under 18, or under 19 if a full time elementary or secondary student. Disabled children over the age of 18 are also eligible, if disabled before the age of 22.
Statistics show that 30% of employed people who have a 20-year work history will become disabled. If disabled, the SSI Disability benefit can greatly reduce the financial stress that can impact the disabled individual.