Social Security Disability Insurance (often loosely defined as a federal, tax-supported federal
insurance plan of the US government) is an often-loosened, tax-supported payroll tax-supported
federal program. It’s administered through the Social Security Administration. It offers monthly
disability payments to qualified people who have a medically-determined impairment that limits
or limits their ability work. Social Security does not pay benefits to children or survivors. The
disability must last at least one year and must be based on a disabling condition that can
objectively be proven. To be eligible for benefits, the applicant must be capable of paying taxes.
Social Security has two main programs that provide benefits to people with disabilities:
Personalized Public Aid or Social Security Disability Insurance (SSDI). Both programs are
designed to help people gain employment or maintain or find gainful employment. SSDI pays
benefits only to those who meet the eligibility requirements. PPA pays long-term disability
claims. SSDI is the more common of the two programs, paying benefits based on earnings and
assets; while PPA is designed to pay benefits based on need, and the applicant’s work history.
Both programs must be applied for through the same procedures.
SSDI benefits are available for qualified disabled workers who earn the minimum wage or who
are members of group rights groups that are designated as unemployed workers. SSI eligibility
requires that you have worked at least half-time and be 18 years or older. For SSDI disability
benefits to apply, the applicant must also be unemployed. Some people who are eligible for
disability benefits do not meet the work requirements for SSDI, such as those who are selfemployed or work only part-time. In these cases, they may still be eligible under Medicaid which
provides medical coverage.
PSA is intended to pay benefits to applicants with a disabling condition. Some disabilities allow
benefits to continue for up to a year after the disablity has been cured, and some disabilities
require a shorter period of time to achieve recovery. PSA benefits are generally paid for longer if
an applicant is able to work and has fully recovered from a disabling condition. These benefits
will pay more for an applicant’s medical expenses than SSDI benefits and will usually be less
generous. An applicant who has reached retirement age may be eligible for Social Security
Disability Insurance benefits. However, this is subject to change from one state to the next.
SSI or PSA is the name for supplemental security (SSI) or social security disability (SSD),
payments. Both types of benefits are meant to provide income support for those with disabling
conditions. You should consider both if you think you may be eligible. The difference between
the two programs is that SSI pays benefits directly to the individual, while SSD requires the
worker to apply for them through their benefits package at a later date. SSD may be available if
you are unable to receive SSI due to a disability.
If you do qualify for SSI or SSA benefits, the next step is to decide what type of benefits you
want. Many people choose to get benefits based on their work history. This is because they
believe that a short time of employment with few benefits or none will provide a sufficient stable
financial position over the long-term. However, SSI benefits and SSA disability benefits will only
be available to those who have jobs and have not lost these jobs during their disability. If you
plan to apply for SSI benefits due to a disability, your income will not be considered under the
more flexible SSDI regulations.
The compensation for past earnings is another option available to SSI recipients and those with
disability insurance. This type of payment is usually made when the worker has reached the third
consecutive year of employment and meets certain requirements. The worker must not have
filed for bankruptcy within three-years of the determination. Three conditions must be met to be
eligible to receive workers compensation benefits. They are that the worker has been employed
in at least one covered position and that the worker has been receiving income for at least one
year from a covered position. SSI and SSA disability benefits will be paid to the claimant based
on his/her past earnings. If you decide to meet one or more of these conditions, it’s important to
know that you could lose your benefits if the claimant is unable to meet another condition or if
he/she becomes unemployed or loses eligibility for SSI/SSA benefits.
Many states offer additional income protection via disability insurance, in addition to SSDI and
SSI benefits. Florida, for example requires that disabled workers purchase disability insurance
through a company licensed by the Florida Department of Financial Services. According to the
law, the insurance company must pay the benefits if the worker has a work-related condition.
These conditions, which are considered “work-related” by state law, include cancers, heart
disease. arthritis, obesity, chronic pain, epilepsy and serious depression. However, the state will
accept the worker’s work-related condition as long as the employer can show that the worker is
suffering from an injury or condition that could lead to termination or reduction in pay