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Social Security Disability
Why Apply?
There are a number of important advantages to qualifying for disability benefits under the Social Security Act, including, but not limited to the following:
Monthly cash benefits: With Social Security Disability Insurance benefits (SSDI), your monthly benefit will depend upon your earnings record. Your spouse and children may also be eligible to receive benefits on your account. With Supplement Security Income (SSI) benefits, your monthly income will be limited to an amount set by law. For the year 2009, the maximum federal SSI benefit will be $674 per month. Each year, there are cost of living adjustments.
Benefits for Disabled Adult Children and Widows and Widowers: SSDI benefits are available to adults who become disabled prior to age 22 even if they do not qualify for benefits on their own account. This is because they may qualify for benefits based upon a retired, disabled or deceased parent's account.
SSI benefits for Adults and Children: Disabled children and adults may be eligible for SSI benefits. This is a valuable benefit that one should take advantage of if eligible. There are different rules for establishing disability for children than for adults.
Medical insurance: With SSDI benefits, you can enjoy the peace of mind of knowing that you will receive federal Medicare benefits. This benefit begins two years after you are first eligible for cash SSDI benefits. Medicare includes a prescription drug benefit (Medicare Part D). With SSI benefits, you can receive state Medicaid benefits.
Extension of COBRA benefits: COBRA can be extended an additional eleven (11 months) if you qualify for SSDI benefits within the first eighteen (18) months of your receiving COBRA benefits. Many Long Term Disability policies require that you apply for Social Security disability benefits. Please consult an attorney to determine your specific eligibility.
The Disability "Freeze": It is important to apply for SSDI benefits not only to collect befits, but to protect your Social Security retirement account. If you do not apply for benefits when you are eligible and do not receive SSDI benefits, your retirement benefits can be lower. Check with the Social Security Administration regarding application of this principle to your specific situation.
This website may constitute "advertising" under Massachuestts Supreme Court Rule 3:07. The material contained on this website has been prepared for educational purposes only and is not to be considered legal advise.
Transmission or receipt of this material, or any response to this website is not intended to, and does not create an attorney-client relationship or privelege of any kind. Allison E. Williams, Esquire, is licensed to practice law in Massachusetts & New Hampshire. If you have a legal problem originating in another jurisdiction, contact your local bar association.