Know About Disability Benefits Here

If your medical condition does no longer allow you to continue to work in employment, then you are deemed as a disabled person in the US. You then stand to obtain disability benefits from the US federal government in the form of monthly financial aid. The grant of the benefits usually continues till you rejoin your employment. The disability benefits are available to all disabled employees who are under the age of 65 years.

However, remember that before you apply for disability benefits, your employment-constraining medical condition needs to have been in existence for at least one year. Alternately, your medical condition needs to be serious enough to surely end in your death.

The disability benefits are supervised in the US by the Social Security Administration (SSA) and therefore you need to apply to this agency for grant of disability benefits. It is a US federal government arm that operates two programs in respect of disability benefits, namely the SSI (Supplemental Security Income) (Title XVI) program and the Social Security Disability Insurance (SSDI) program (Title II) for its citizens. Under the SSI program, you stand to receive disability benefits based on the established criteria of financial need.

The disability benefits from the SSA will accrue to you only if you are totally disabled. This directly means that the SSA will not provide disability benefits to you if you happen to be partially disabled or are disabled only for a short period of time (less than a year).

However, even if you do not suffer from complete blindness, your claim to disability benefits can be approved by the SSA if as per them the state of your vision combined with other health issues suffered by you prevent you from working.

Disability benefits are available to certain claimants under Title II and to certain others under Title XVI. They are available under Title II to individuals who have been in active employment in recent years, but cannot work now because of disability.

Under certain conditions disability benefits are made available under Title II to disabled adult children, to disabled widowers or widows, or to the surviving divorced spouses. They are available under Title II to the disabled adult child of a qualified employed parent provided the adult child is at least 18 years old and provided that the disability of that child began before he/she became 22 years old.

If an individual becomes disabled within seven years of the death of his/her insured wife/husband, he/she is entitled to disability widower/widow benefits provided his/her age is at least 50 years. Another important prerequisite is that the insured person who dies needs to have paid the necessary premiums into the Social Security Insurance system for the minimum period of time. Another prerequisite for grant of disability benefits to the disabled widower/is that he/she must have become disabled before the end of the month in which he/she turned 60 years of age.

SSI adult disability benefits are available under Title XVI to the adult child (of an insured employee) provided he/she becomes disabled before he/she becomes 22 years of age. A resource threshold and the criteria of incapability of substantial gainful activity is applicable for this benefit. Under Title XVI, impoverished disabled children under the age of 18 years can be provided SSI disability benefits.