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Social Security Disability Archives

Unexpected disability can wreck a retirement plan

As they get older, Americans must think about saving up for retirement, and many come up with a simple plan: Work longer. Many Americans are working past age 65. Staying in the workforce longer can, of course, help a person to save up more money. There are also tax advantages to this strategy, as workers can save their money in a 401(k) or other retirement account that avoids or defers taxation.

Can mental illnesses be considered disabilities?

It is a common misconception that disabilities only affect individuals' physical conditions. In reality, however, a disability can be invisible to the naked eye. Millions of men and women in California and throughout the nation suffer from mental illnesses and disorders that are seriously disabling and life-altering.

Ticket to Work Program and Social Security Disability benefits

Disabilities can impact different individuals in different ways. While one person may suffer from a permanent physical ailment that limits their capacity to move, another may suffer from a mental illness that prevents them from successfully interacting with other individuals. California residents who suffer from disabilities may be able to secure disability benefits from the Social Security Administration.

Could social media affect your disability benefits?

California residents may endure a long wait to find out if they have been approved for disability benefits from the Social Security Administration. Disability benefits are an important source of support for men, women and children who cannot work due to disabling illnesses, injuries or conditions, and who do not have other sources of income or funding. Once they are issued, disability benefits can be reviewed and evaluated to determine if their recipients still qualify for them.

How to know if you could qualify for SSD

Many California residents may have heard about the difficulties of applying for Social Security Disability benefits and how the process can be overwhelming for someone who is already suffering from a medical condition that is preventing them from performing many basic functions. The rejection rate shows that only about one-third of first-time applicants get accepted, which is cause for alarm for those who are applying for SSD benefits.

What do you need to know about SSI eligibility criteria?

As a previous post here mentioned, it is important to understand which disability benefits plan administered by the Social Security Administration an applicant might qualify for. Otherwise, California residents may find themselves wasting time and effort applying for benefits they could not receive and then becoming too disheartened from applying from the ones they potentially could. The differences between Social Security Disability benefits and Supplemental Security income were pointed out in a previous post, but it is important to understand the specific criteria of eligibility for SSI benefits.

Should you apply for SSD or SSI?

Payroll taxes are the main source of funding for Social Security Disability benefits. SSD benefits are available to those who have worked for a certain number of years and have made the necessary contributions to the Social Security trust fund through various taxes. However, the Social Security Administration also administers disability benefits through another program-Supplemental Security Income.

What happens if your SSD benefits are being reviewed?

Once California residents have finally completed their Social Security Disability benefits applications, submitted them, gotten them approved and begun receiving SSD benefits, they might think their hard work has paid off and they are now at the end of the road. However, the Social Security Administration conducts periodic reviews, ensuring only those people who are disabled receive SSD benefits. News of a review may overwhelm recipients, but most often, there is nothing to worry about.

Benefits of applying for Social Security Disability

Less than one in three workers in the country have private disability insurance, which means that if they sustain an injury that prevents them from working they may have no means of assistance. Social Security Disability Insurance is the one safety net that more than 155 million workers rely on, as they are insured through their payroll or FICA taxes.

The right approach to getting SSD applications approved

Not only is it frustrating to not be able to work and continue to remain financially independent, it is also economically devastating. It can also be life threatening when people who need to purchase medicines and get medical treatment are unable to do so because they do not have the financial means to do so. At times like these, Social Security Disability benefits can become the safety net that prevents California residents from falling. Therefore, it can be worrisome when these benefits either do not materialize at all or do not become available on time.