How Is The Amount Of SSI Determined?

The amount of your SSI benefits are fixed since the base amount for each person receiving SSI benefits is the same. However, certain states augment these benefits, and income (in cash or in-kind) can be used to offset these amounts. 

An eligible individual receives $841, an eligible individual with an eligible spouse receives $1,261, and an important person receives $421.These figures are produced each year using the average pay index and cost-of-living adjustments.

SSI Payment Formula

Your federal SSI benefit is calculated by subtracting your countable unearned income and countable earned income from the maximum Federal Benefit Amount of $783 for individuals and $1,175 for a pair. The remaining amount is your Federal Amount Due.

State Supplements

Individuals who qualify for SSI or who do not qualify for SSI due to income or resources that are above the federal limitations but below the state's requirements may be eligible for a supplementary benefit. Some states have their own supplementation programs that need an application or contact with the state. 

Other states delegate their state supplement management to the Social Security Administration. If your state offers a supplement that you could be eligible for and administers it itself, your Social Security office will direct you to the appropriate agency to apply.

When Is Your Income Counted For SSI?

After you've been approved for SSI, your financial eligibility for the program is determined on a month-by-month basis. This means you could be qualified one month, not the next, and then be eligible again the next.

Your SSI benefit is calculated during your first three months of eligibility, and non-recurring income is only counted in the month it is received. Unless your eligibility is interrupted, your payment will be based on the income you had two months prior. 

For example, if you became eligible in March 2019 and began receiving payments in June (the fourth month of eligibility), your April income would determine June's payment; May's income would determine July's payment, and so on. We can see from this example how critical it is to report modifications by the tenth of the month after the change. Underpayments and overpayments, which you may have to reimburse, are reduced when you report on time.

If your qualification is interrupted, the first three months of eligibility are treated as a fresh claim for computation reasons. When an adult SSI recipient changes marital status, or when the parents of a child receiving SSI change marital status, or when an SSI-eligible child leaves a parent's household, this calculating convention is applied.

Conclusion

It's important to know exactly the kinds of benefits you will be receiving when you apply for disability benefits. In some cases, you may not be eligible for the federal government but can still apply through the state. Sometimes, these states have their own supplementation strategies. Thus, the disability awarded to you may vary. 

Head to Disability Help in order to find out more about the various types of disabilities that affect people and how to file for disability benefits. 

Is Calcific Tendonitis A Disability

If you have chronic pain from tendonitis and cannot maintain a job, you may be eligible for disability benefits. In most cases, it is considered a shoulder problem that qualifies for a disability. However, before deciding whether your condition qualifies you for benefits, the Social Security Administration (SSA) will need to review your medical records and job history.

Before we can answer if calcific tendonitis is a disability, let's talk about what it is, how it affects your ability to work, and why it may be considered a disability. 

What Is Calcific Tendonitis?

Inflammation of the tendons causes calcific tendonitis, while joint inflammation and damage result from arthritis. This is usually due to calcium deposits in the shoulder tendons and may be confused with Calcium Pyrophosphate Dihydrate Deposition Disease (CPPD, or pseudogout) — a type of arthritis in which calcium phosphate crystals form in the joints. Aging and wear and tear can eventually lead to calcific tendonitis, but healthcare experts really aren’t sure why some people develop the condition, and others don’t.

How Does It Affect Your Ability To Work?

Tendonitis can substantially influence your capacity to work if you undertake repetitive tasks as part of your employment. Because this disorder affects the wrists, you may find it difficult to execute fine motor activities like writing, typing, or other computer work for long periods. Even if you take time to rest and recuperate, if you restart these activities, your symptoms may return.

By requiring repetitive actions, certain vocations can contribute to tendonitis. Other tendonitis risk factors include, but are not limited to:

Qualifying For Disability Benefits With Tendonitis 

To be eligible for disability benefits, you must show the SSA that your tendonitis is severe enough to keep you from working for at least a year. This implies your illness must be supported by medical data such as objective symptoms, blood tests, X-rays, and/or physical exam results. It is simply not enough to inform the SSA that you suffer from incapacitating chronic pain.

A doctor's recent diagnosis of tendonitis, a description of the events at work that led to tendonitis, and a letter from your doctor confirming that your job caused your tendonitis are all required.

Despite the fact that tendonitis is a chronic pain disease, it is not classified as an impairment in the SSA's Blue Book. If you can show that your ailment has impaired the joints in your wrists to the point where you cannot conduct gross and fine movements, you may be able to qualify under Listing 1.02: Major dysfunction of a joint. In most cases, this will include undergoing a residual functional capacity, or RFC, evaluation.

Frequently Asked Questions:

Can calcific tendonitis be considered a disability?

Calcific tendonitis, a condition where calcium deposits form in the tendons, can cause pain, inflammation, and limited range of motion. While it may not be considered a disability on its own, severe cases that significantly impact an individual's ability to work and perform daily activities may qualify for disability benefits under certain circumstances.

How can I determine if my calcific tendonitis qualifies for disability benefits?

To determine if your calcific tendonitis qualifies for disability benefits, consult with your physician to evaluate the severity of your condition and its impact on your ability to work. If your condition meets the requirements outlined in the Social Security Administration's (SSA) Blue Book or if you can demonstrate that your condition prevents you from performing any substantial gainful activity, you may be eligible for disability benefits.

What documentation do I need to support my disability claim for calcific tendonitis?

To support your disability claim for calcific tendonitis, you should provide detailed medical records, including diagnostic tests, treatment plans, and physician notes that describe the severity of your condition and its impact on your daily life and work capacity. It's essential to have a comprehensive medical history that demonstrates the extent of your limitations and how they affect your ability to perform work-related tasks.

Conclusion

Calcific tendonitis is considered a disability in most cases. However, there are still a few measures you need to keep in mind in order to improve your chances of qualifying for the disability. Looking to learn more about various disabilities and how they affect those inflicted? Check out Disability Help’s comprehensive resources covering developmental disabilities

How Does Unemployment Affect SSDI?

Most people who collect Social Security benefits do not want to lose their monthly payments, which serve as a partial substitute for income. That is why many Americans who receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits are hesitant to file for unemployment benefits. This could mainly be because the applicants may be worried their applications will contradict each other. 

In order to understand how unemployment affects SSDI, let's first take a look at how the requirements for the two applications differ. 

How Unemployment Affects Your SSDI Benefits

Since unemployment benefits are considered "unearned income" by the Social Security Administration, these benefits are unlikely to affect your SSDI benefits if you are not working. However, there is a catch. 

While it is legally possible to obtain both unemployment and SSDI payments, the process is complicated. When you file for unemployment benefits, you declare that you are capable of working but that you have lost your job due to no fault of your own and that you are actively looking for work. 

You certify that you cannot work at a substantial gainful level when you apply for disability benefits. There are various instances where someone may be receiving unemployment benefits and becoming disabled as a result of their unemployment or being unable to perform while employed owing to a work-related illness or accident. These people can apply to both programs, but they must actively seek a job in order to keep their unemployment benefits.

Can You Collect Both SSDI And Unemployment Benefits Together?

Individuals may be eligible for both unemployment and Social Security benefits under one of three circumstances:

SSDI benefits will only be paid as long as your monthly wages do not reach the maximum amount allowed. The cap will be $1,260 in 2020 (or $2,110 if you are visually impaired/blind). Your SSDI benefits will end once you find work and earn more than that amount.

Conclusion 

Claiming disability benefits like the SSDI and unemployment benefits is a tricky position to be in, as each one’s requirements contradict the other. However, there are a couple of scenarios where you can, in fact, qualify for both — you are incapacitated to the point where you cannot work, but you're still actively seeking employment. 

Head to njddc.org for more information on disabilities and how to avail of the different programs set in place by the government. Check out resources such as how to calculate your social security disability payments for more SSDI benefits information! 

 Benefits For Disabled Adults Living With Parents

Caring for your disabled adult child is a great responsibility. While every parent would go to the ends of the world for their child, parents taking care of their disabled child at home face a lot of stress, especially financially. 

Which Benefits Are Available To You? 

Federal and state benefit programs are available to families just like yours. They exist to assist disabled adults who live with their parents. While some benefits may be paid directly to the disabled adult, others may be paid to you, the caregiver, to assist you in providing care.

Federal Assistance Programs For Disabled Individuals

For disabled adults, two primary federal programs provide benefits — Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).

Social Security Disability Insurance (SSDI)

SSDI is a federal disability income program for adults who could previously work but cannot do so anymore due to their disability.

Benefits are paid for by the social security tax that each employee contributes from their paychecks. Therefore, if your child worked prior to developing a disability, he or she would be automatically eligible.

Childhood Disability Benefits (CDB)

Even if your adult child has never worked, they may still be eligible for SSDI. Their entitlement to benefits would be contingent upon their earnings (or their parents or guardians).

Benefits would be funded, in this case, by the social security tax that you have been paying into the system. This benefit is referred to as Disabled Adult Children (DAC) or Childhood Disability Benefits (CDB).

In other words, federal benefits are offered to handicapped people who worked prior to their impairment. Additionally, they may be qualified through you if they have never worked.

Supplementary Social Income (SSI)

If SSDI is not a choice for your kid or yourself due to your job and social security insurance history, Supplemental Security Income (SSI) may be an option. SSI benefits are based on your child's income and assets, and the program is intended to assist low-income disabled adults.

As with SSDI, eligibility requires meeting the SSA's definition of disabled, which is unable to engage in significant gainful employment.

How To Apply For Social Security Disability Benefits 

According to the information provided by the SSA, you should apply for benefits as soon as you become disabled. You can do this in a couple of ways. Below are the two most conventional ones:  

Conclusion

Taking care of your disabled adult child at home is challenging. While we love our children and want to make their lives easier, it can be a strain on your budget. This is why we urge you to reach out to the authorities and apply for benefits as soon as possible. 

If you want to know more about what you can do to help your adult child, check out Disability Help’s article discussing the telltale signs your disability claim will get approved. 

What Other Benefits Can I Get Along With SSDI?

Focusing on your health and recovery should be a top priority, especially when recovering from an illness or injury. In times like this, you shouldn’t worry about earning money and paying bills. This is why the state has put in place disability programs to help out those who qualify. One such program is the Social Security Disability Insurance (SSDI) benefits. 

Because Social Security disability benefits are frequently insufficient to cover living expenses, it will be critical for you to collect all other available benefits and even attempt to increase your income by working part-time if you are able. Perhaps one of the most important SSDI benefits is the monthly payment. Before we go into the individual programs you can apply for along with SSDI, let’s talk about these monthly disability payments. 

SSDI’s Monthly Payment

The following chart illustrates the amount of money that may be expected each month (as of 2019):

The Social Security Administration (SSA) considers your average lifetime earnings covered by Social Security to determine the total amount of your SSDI payments.

SSDI benefits extend further than these monthly payments. You may not be aware of this, but there are various other extensions of SSDI that you can collect in order to improve the quality of your life:

COBRA Continuation

COBRA enables former workers and their families to maintain coverage under their employer's health plan, but they have to pay the full premium. If you are eligible for SSDI benefits, you may be eligible for an 11-month COBRA disability extension.

Subsidiary Benefits

As detailed by the SSA, payments may be given to your:

Each dependent is eligible to receive up to 50% of your disability payment. The SSA does, however, cap the total amount you and your family can receive — typically between 150 and 180% of your disability benefit amount.

Tax Advantages

While SSDI benefits are taxable, the vast majority of beneficiaries do not pay taxes on them. Your family income must be more than a specific threshold, which often implies you must have several sources of income in addition to SSDI.

Adjustment For Cost Of Living

SSDI benefits are increased annually by the Social Security Administration through a cost-of-living adjustment (COLA). This guarantees that the value of your dividends remains constant in the face of inflation.

Social Security Retirement Benefits Preservation

Due to the gaps in your career history caused by not working, you may be concerned that your Social Security payments will be reduced once you retire. This will not happen, as the SSA maintains your qualification for Social Security payments through a "disability freeze."

SSDI benefits transfer to Social Security benefits after you reach full retirement age. And for the majority of recipients, the amount remains constant.

Long-Term Disability (LTD) Benefits Preservation

Do you have a long-term disability plan that requires you to apply for SSDI? Are you concerned that your compensation may be reduced? Don’t panic. Your total payout will remain equal to the amount of the LTD payment.

For example, if you receive $1,500 per month from your LTD plan but receive only $1,000 per month from SSDI, the LTD provider will pay you the remaining $500 per month. The reduction in your overall LTD benefit is mitigated by your SSDI benefit.

Many SSDI recipients are unaware that they may be eligible for additional government payments to complement their SSDI income. Below is the list of individual programs you can apply to better the quality of your life while collecting SSDI benefits.

Supplemental Security Income

This is a Social Security disability payment available to those who:

Income and asset guidelines apply to eligibility. If an individual receiving SSDI benefits has a monthly SSDI income of less than $733 ($1,100 for couples), he may qualify for and receive SSI. Receiving "concurrent advantages" is what this is referred to.

Income restrictions may vary if an individual is employed and earning money. The SSA’s website provides access to these rules. You may also be eligible for Medicare as an SSDI recipient if you receive both SSDI and SSI.

Medicare

Medicare is a government-run health care program for those over the age of 65. A person who has received SSDI payments for at least two years is entitled to apply for Medicare, regardless of whether he gets SSI or is not of retirement age under the program's standards. Certain conditions, such as having an end-stage renal illness or Lou Gehrig's disease, may qualify a person under the age of 65 for Medicare.

A knowledgeable Social Security disability attorney can assist an SSDI recipient in applying for Medicare and answering any concerns regarding the program. For additional information about the program, visit the Social Security Administration's website.

Supplemental Nutrition Assistance Program (SNAP)

Many low-income households, many of which include SSDI beneficiaries, struggle to put food on their table. Individuals who meet this criterion may be eligible for the SNAP, formerly known as the food stamp program. 

SNAP is a federally sponsored program managed by Department of Transitional  Assistance (DTA) agencies. It is governed by the United States Department of Agriculture (USDA). The initiative was created to assist low-income families in purchasing nutritious food and stretching their food budget. SNAP benefits are redeemable in supermarkets, grocery stores, co-op food programs, and some farmers' markets.

Other Benefits SSDI Recipients Can Apply For

Individuals who qualify may also be eligible for the following:

Conclusion

The SSDI provides an important economic lifeline when it comes to individuals who cannot provide their labor or services to make a living. If you’ve just gone through an incapacitating injury or illness and are looking to collect SSDI benefits, we recommend you talk to a Social Security disability attorney. 

For more information, you can check your eligibility status for SSDI and interrelated benefits with this Disability Help article. 

If you want to learn more about housing benefits from SSDI, check out our article about social security disability housing assistance to know more.

What Does The SSDI Review Consist At 62?

The application process for Social Security Disability Insurance (SSDI) is not straightforward. In fact, 63-74% of initial SSDI applications are denied, according to the Social Security Administration (SSA). Because obtaining these benefits is so difficult in the first place, many people worry they will ultimately lose them.

It is especially true for people nearing retirement age. Will your SSDI benefits cease once you retire? How much will you receive every month? How will your benefits change after retirement? Keep reading to find out what happens during your SSDI review at 62. 

What Happens To Your Benefits As You Approach Retirement? 

In addition to administering SSDI benefits, the SSA is also responsible for managing retirement benefits. The SSA won’t stop paying your benefits upon retirement age as long as you are receiving SSDI benefits. However, your SSDI benefits will convert to retirement benefits upon reaching retirement age.

Therefore, what happens when you reach the age of 62 is largely dependent on the type of disability payments you get. When you reach that age, you are entitled to apply for early retirement under normal conditions. 

However, you haven't yet attained full retirement age, which is determined by your birth year. For those born in 1960 or after, the full retirement age is 67.

Check out the full retirement ages for other birth years below:

-1937 or earlier: 65 years old
-1938: 65 years and 2 months old
-1939: 65 years and 4 months old
-1940: 65 years and 6 months old
-1941: 65 years and 8 months old
-1942: 65 years and 10 months old
-1943-1954: 66 years old
-1955: 66 years and 2 months old
-1956: 66 years and 4 months old
-1957: 66 years and 6 months old
-1958: 66 years and 8 months old
-1959: 66 years and 10 months old

At full retirement age, you are eligible for 100% of the payment that Social Security calculates based on your lifetime earnings. As a result, if you retire early, your monthly benefit will be lowered for the remainder of your life. The amount by which your monthly benefits are reduced is determined by the remaining months until you reach full retirement age.

If you are going through an SSDI review at 62 and intend to retire, you must file for early retirement through Social Security. Then, you will begin receiving retirement benefits at the lower rate indefinitely. If you wait until you reach full retirement age, your SSDI payments will automatically convert to retirement benefits, requiring no extra action on your part and maintaining your current monthly benefit level.

Will Your Retirement Benefits Affect Health Insurance?

After 24 months, everyone accepted for SSDI compensation becomes eligible for Medicare. That means you will be qualified for free Medicare Part A. Part A of Medicare, generally known as hospital insurance, covers inpatient hospital treatment and a limited number of additional services.

Additionally, you can enroll in additional forms of coverage, such as Medicare Part B or medical insurance. Part B of Medicare provides outpatient treatment, home health care, some preventive services, and physician services. You will, however, be forced to pay a subscription fee for Medicare Part B and other forms of coverage.

But don’t worry; you will still retail your healthcare coverage once your SSDI benefits are changed to retirement benefits. This conversion will have no effect on the coverage provided by your health insurance.

What Else Should You Expect After Your Review At 62?

If you are authorized for SSDI payments, the SSA will perform periodic evaluations of your illness to determine if you remain disabled and eligible for benefits. This is referred to as a "continuous disability review," and it occurs about every three years. 

The SSA will conduct more regular examinations of SSDI claimants whose conditions are projected to improve more quickly. They may perform these reviews only every five to seven years if your condition is not projected to improve.

The goal of this evaluation is to ascertain if your impairment has improved to the point of no longer being eligible for payments. If the SSA concludes that you are no longer handicapped following a review, your coverage will be terminated.

After converting your SSDI payments to retirement benefits, the SSA will no longer be required to conduct continuous disability evaluations. This is because you are no longer required to fulfill the Social Security Administration's definition of handicapped to continue receiving payments. Your candidacy for benefits will no longer be contingent on your ability to return to work due to your debilitating condition. This is one less concern for beneficiaries once they attain full retirement age and begin collecting retirement payments.

Conclusion

Because applying for SSDI benefits is such a nerve-wracking experience, many people worry that they’ll commit one wrong move and end up losing their benefits. That’s primarily why they don’t apply for retirement benefits. Thankfully, this is something the Social Security Administration converts on its own. 
Are you interested in finding out more about the various programs that can help you with your disabilities, whether you’re of retirement age or not? Check out Disability Help’s blog about VA disability benefits for migraines.

Can You File Taxes On SSI Disability

When you work as an independent contractor for a business, your employer withholds taxes from your payment. Each year, you receive a W-2 form detailing your taxable income and the taxes you paid for the year. Once your taxes are filed, you can determine how much money you owe or how much money the government owes you. Indeed, it is via these taxes that disability benefits are made possible.

This is a rather basic procedure. However, it is not so straightforward for Social Security benefits users. Payments for disability are not necessarily taxable. Keep reading to find out everything you need to know about filing taxes if you’re on Supplemental Security Income. 

What Is Supplemental Security Income?

Supplemental Security Income (SSI) is a government program supported by general revenues in the United States Treasury. Although the Social Security Administration of the United States (SSA) administers the program, SSI is not funded through Social Security taxes. SSI assists disabled individuals and children with low income and few resources.

Filing Taxes On SSI Disability

Almost all sources of income are taxed by the Internal Revenue Service (IRS). Gross taxable income is defined in Chapter 26 of the United States Code Section 61 as "all income from whatever source obtained," which covers a lot of material.

The Code lists numerous other types of income as examples. However, Supplemental Security Income (SSI) is not included — implying that SSI is not taxed.

However, some misunderstanding exists since the Social Security Administration — not the IRS — requires income reporting for the purpose of determining eligibility for SSI. 

What Is Tax Credit And How Can It Be Applied To You?

A tax credit is a monetary sum taxpayers can deduct directly from their tax liability. In contrast to deductions, which reduce taxable income, tax credits reduce the amount of tax owing. The value of a tax credit is determined by its category. Certain types of tax credits are only available to individuals or businesses in particular localities, categories, or industries.

Understanding The Earned Income Tax Credit (EITC) 

The EITC is a tax credit for low to medium workers and families. If you are eligible, you may utilize the credit to offset your tax liability — and perhaps boost your refund. The amount of EITC you may qualify for is typically determined by your earning income and the number of eligible children you have.

Am I Qualified For The EITC If I Receive Social Security Or SSI?

Yes, assuming you fulfill the EITC's eligibility requirements. Receiving Social Security or SSI has no bearing on your EITC eligibility.

Understanding The Child Tax Credit

The CTC is a tax credit that will be enhanced in March 2021 to assist families raising children. You may collect the CTC for any qualified child regardless of whether you typically file a federal income tax return. You can get up to $3,600 for each eligible child under the age of 6 and up to $3,000 for each qualified child between the ages of 6 and 17. These are the ages of the participants as of December 31, 2021.

Am I Eligible For The CTC If I Receive SSI?

Yes, assuming you match the CTC's eligibility requirements. The IRS allows you to claim this credit for each eligible child, even if you receive Social Security or SSI and do not ordinarily submit a tax return. 

Will My SSI Payments Be Reduced If I Get Monthly CTC Payments In Advance Or If I Claim Any CTC On My Tax Return?

Monthly CTC payments made in advance and any CTC claimed on your 2021 tax return will have no effect on your Social Security benefits.

If you receive SSI, the CTC will be disregarded (and any advance monthly payments you may have received during 2021) for determining your SSI eligibility and monthly SSI payment amount for 12 months after you receive it. Keep track of any extra monthly CTC payments you receive. This information is available through the IRS Child Tax Credit Update Portal.

Conclusion

Supplemental Security Income provides a crucial economic lifeline to those who cannot support themselves due to illness or injury. In this article, we discussed whether those receiving SSI benefits are liable to file taxes on these payments. In short, the answer is no. 

If you’re interested in learning more about developmental disabilities, check out Disability Help's article covering the 5 developmental disabilities. 

If you want to know how to win an SSI overpayment case, check out one of our articles to learn more.

Can You Get Disability For Arthritis? 

Ever wonder how severe your arthritis needs to be for you to qualify for disability?

Millions of Americans and their families receive Social Security Disability Insurance (SSDI) benefits. Yet, many people who may be eligible for the program are either unsure of their eligibility or are intimidated by the application process.

Before taking a look to see if your arthritis qualifies for SSDI, let's first understand what arthritis is.

What Is Arthritis?

The causes of arthritis are poorly understood, despite its widespread prevalence. In fact, there is no such thing as a single disease known as arthritis. It is a colloquial term for illness or pain associated with joint tissue. Moreover, it has been estimated that there are over one hundred forms of arthritis and their associated conditions.

Arthritis may and does affect people of any age, sex, and ethnicities, and it is the biggest cause of disability in the United States. According to the Arthritis Foundation, rheumatoid arthritis affects almost 60 million adults and 300,000 children. It is more prevalent in women and becomes more prevalent as people age.

Types Of Arthritis

According to some sources, your chances of gaining disability depend on the type of arthritis you have. Some of  the most common types include: 

Unfortunately, while any form of arthritis might impair your ability to carry out daily tasks owing to joint swelling and discomfort, the Social Security Administration (SSA) treats them all differently.

How The SSA Determines Disability With Arthritis

In the case of arthritis, you must get medical treatment for at least three months before the SSA may evaluate the extent and seriousness of your illness and determine if you qualify for Social Security Disability benefits.

Wherever you have arthritis, whether in your hands, feet, knees, or back, you may be eligible for disability benefits if you have medical documentation to support your claim. Additionally, you must meet certain financial conditions in order to qualify for disability claims.

To determine if you qualify for Social Security disability benefits as a result of your arthritis, follow the procedures below.

Procedures To Follow In Order To Qualify

The SSA conducts the following procedure to assess whether an individual qualifies for Social Security Disability benefits due to arthritis:

Financial Prerequisites

The SSA considers first whether you are currently employed. If you are currently employed (earning at least $1,350 per month), you will be prohibited from receiving Social Security Disability benefits based on your established ability to work.

To be eligible for Social Security Disability Insurance (SSDI), one must have a sufficient number of employment credits. These are acquired by employment and the payment of Social Security taxes. Generally, if you've worked five out of the last ten years, you'll have sufficient work credits. Depending on your age, you must have a certain number of credits to qualify for SSDI.

Supplemental Security Income (SSI) may be available if you do not have sufficient work credits but have limited income and assets. SSI is only available to people with assets less than $2,000 (or less than $3,000 if married). Since SSI is based on household income, the Social Security Administration will consider the income of your spouse when determining your financial eligibility.

Medical Prerequisites

The SSA decides if your arthritis is acute enough to prevent you from undertaking routine work-related physical tasks. Among these activities are the following:

Depending on the tasks that your arthritis precludes, you may be considered capable of performing intense, moderate, light, or sedentary activities. 

The Social Security Administration assesses whether your arthritis satisfies their medical standards. To qualify for benefits, an arthritic individual must have swelling and pain in his or her joints, as well as limited or painful joint movement.

To qualify for benefits with arthritis, you must meet the SSA's Blue Book entry 14.09 Inflammatory arthritis. According to this listing, you must be suffering the following to qualify for disability:

This Blue Book listing can be used to evaluate a range of disabling illnesses, including psoriatic arthritis and rheumatoid arthritis.

If a person is not medically qualified for Social Security disability benefits based on observable symptoms, the SSA will assess whether you can reasonably be anticipated to undertake any previous type of employment.

If the SSA concludes that you cannot perform any previous work, they will evaluate your age, education level, prior experience, and overall mental and physical health to determine if you might reasonably be trained to perform any other available work. If they believe you can be trained to perform some type of employment, they will deny you Social Security Disability benefits.

How to Improve Your Chances Of Getting Approved

Although SSA does consider arthritis as grounds for claiming disability benefits, the truth is that most people’s first application gets rejected. Here are some things you can do to improve your chances: 

Consult A Disability Attorney Or Advocate

Because the rules and regulations governing Social Security disability benefits have become increasingly complex over the years. Thus, it makes sense to retain the services of an attorney or skilled advocate to assist you with your application and throughout the process.

Local attorneys and advocates are also typically familiar with the system's judges and adjudicators, which can significantly increase your chances of getting your claim accepted.

Ensure You And Your Rheumatologist Are Aligned

The story you and your doctor tells the SSA about your illness and difficulties should match, as this establishes credibility.  If you're considering filing for benefits or believe you may need to in the future, request that your rheumatologist begin documenting the activities you're unable to perform in his records.

Consider Obtaining A Psychological Assessment

Depression and anxiety are not uncommon among patients with severe arthritis, impairing their capacity to work. If that is the case for you, including a psychological assessment in your paperwork, is critical because it can be hugely helpful in receiving benefits.

Adhere To Your Physician's Treatment Plan

We hope you're already doing this for your own health's sake, but the SSA needs to see that you're following medical advice. It demonstrates that you've been making an effort to improve.

If your claim is denied, you normally have 60 days from the day you are notified of the decision to appeal. The notice letter will specify which of the four stages of appeal you should pursue: reconsideration, a hearing by an administrative law judge, Appeals Council review, or Federal Court review.

Conclusion

It can be difficult and frustrating to apply for disability benefits. However, it's always good to know the facts and understand how to boost your application. To check if your disability claim has a chance of getting approved, check out this article discussing the top signs to look out for.

Everything You Need To Know About SSI Back Pay Maximum

Obtaining Supplemental Security Income (SSI) benefits may take several months. The Social Security Administration (SSA) administers the SSI program, which provides cash payments to disabled individuals in need of economic assistance.

What this essentially means is that you may be entitled to back pay for the months during which you awaited approval. But what if it takes longer than anticipated for your benefits to come through? How far back do these back payments really go? In order to find out, we must fully understand what the SSI back pay is, the factors that affect it, and how to calculate it. 

What Exactly Is Back Pay?

Back pay refers to payments you are entitled to receive from the SSA between the time you applied and the time your claim was approved. Depending on how long it took to approve your claim, your back pay may be insignificant.

However, since we must go through the appeals procedure before your benefits are approved, the missed payments can rapidly increase. Each stage of the appeals procedure can take many months, and while you wait for the SSA's judgment, your back pay adds up.

Factors Affecting Back Pay

SSI does not award retroactive payments. This means you are not eligible for compensation for the months you were disabled before you applied for benefits. The amount of back pay you receive is determined by three factors:

1. Date You Submitted Your Application

SSDI benefits may be available for up to a year before the application date. This implies you will earn back pay benefits for a maximum of 12 months.

2. Date Of Disability Onset

The claims examiner or an administrative law judge establishes this date. It is not always the date on which you ceased employment owing to your medical condition.

3. Early Interval Of Waiting

To begin receiving back pay, you must wait five months following the commencement of your injury. If your claim is approved within five months of the commencement of your impairment, you will not be reimbursed for the waiting period. (Due to the faster approval procedure for Compassionate Allowances, many individuals with qualifying conditions do not receive back compensation.)

The onset date of your impairment has the greatest impact on your eligibility for back pay, which is why you must present documentation to support the earliest feasible onset date. The easiest method to accomplish this is to work with a lawyer who is familiar with SSDI cases. Your lawyer will know how to document your ailment in a way that fits the program's disability definition.

How Does SSA Calculate Back Pay?

The SSA analyses a number of variables when determining the amount of back pay to which you are entitled, including the following:

The calculation is quite straightforward. The Social Security Administration multiplies the months between your application date and your approval date by your monthly payment. If you receive the maximum payment of $735 and the SSA approves your claim after eight months, you are entitled to $5,880 in back pay.

How Are Back Payments Made?

Generally, Social Security pays past-due benefits for SSI or combined SSI/SSDI in three equal installments spaced by six months. However, you may qualify for bigger first and second installments if you require funds for "essentials" (housing, food, or medical requirements) or to repay debts related to necessities.

Alternatively, if you are not expected to live beyond the following 12 months or are no longer eligible for SSI benefits at the time you get your back pay, you may be eligible for a single lump-sum payment (and not expected to become eligible for benefits within the next 12 months). 

When Will You Receive Your Back Payment?

You should begin receiving payments the next month after approval. This ensures that any back pay you are owed should cover each month, beginning with the first full month following the date of your application. Payments are refunded in stages by the SSI. You will receive a third of the back salary you are owed shortly after approval, another third six months later, and the last third six months later.

Note: If the Social Security Administration determines that you are "presumed handicapped," you may begin collecting benefits before the SSA approves your application.

Conclusion

It can be difficult and frustrating to apply for disability benefits. However, it's always good to know the facts and understand how to boost your application. To learn more about how to calculate your social security disability payment, check out this Disability Help’s article today.

What Happens If You Don’t Have Enough Work Credits For Disability Benefits?

According to the Social Security Administration (SSA), you must accumulate at least 40 work credits during your lifetime to qualify for Social Security payments upon retirement. The amount of credits required to qualify for SSDI, on the other hand, varies by age. You don’t want to make the incorrect assumption that you don’t have the necessary work credits based on someone else's case. Remember that each scenario is unique.  

For example, if you worked at the same workplace for five years and then got injured, you may believe you lack sufficient work credit — but this may be inaccurate. For instance, if you are 35 years old, you just need 20 work credits to be eligible for SSDI benefits. However, if this happened to your 50-year-old co-worker, they would only need five work credits. 

Again, your age and the length and date of employment at a job that contributes to Social Security will determine the number of work credits required to qualify for SSDI.

Why Do You Need Work Credits For Disability Benefits?

SSDI is an insurance scheme, as its name suggests. The "premiums" for this scheme are deducted from your paycheck by your employer and sent to the authorities on your behalf. This money contributes to funding people's monthly Social Security disability and retirement cheques.

On the other hand, Supplemental Security Income (SSI) benefits are funded via general government revenues, such as income taxes and other funds collected by the government. Due to the fact that SSI is not funded by payroll deductions for Social Security taxes, you are not required to pay into the system or collect work credits in order to qualify for these benefits.

How Many Social Security Credits Do You Need To Qualify?

Keep in mind that the number of social security credits required for SSDI eligibility fluctuates with age. If you are between the ages of 31 and 42, you will need 20 work credits in order to qualify for disability benefits.

If you are under the age of 24, you will need 6 work credits. If you are between the ages of 24 and 30, you will require 8 social security credits and two years of employment, while a 30-year-old will require 18 credits and four and a half years of labor.

If you are 27 years old, this means you have accumulated six years of work experience since reaching the age of 21. You will be required to acquire work credits for half of those years, requiring you to have a total of three years of work credits in order to qualify for disability benefits.

Each year, you can earn a maximum of four social security credits. If you earn four credits per year for three years, you will require 12 work credits to qualify for disability payments if you become disabled at the age of 27. If you are over the age of 62, you will require 40 social security credits and ten years of job experience.

What Happens When You Don’t Have Enough Work Credits?

If you don’t have the required job history, you can’t qualify for Social Security Disability Benefits. Your impairment has likely prevented you from working. If you lack the required employment history to qualify for disability payments, you may be eligible for Supplemental Security Income. 

SSI is a government benefit available to persons who are disabled, have little financial resources, and do not meet the work history requirements for SSDI. However, because SSI is a needs-based program, you must fulfill the SSA's family income and asset requirements before proceeding with the benefits application process.

How Can You Earn Work Credits?

Each quarter you're employed in a job that contributes to Social Security earns you one work credit. Through payroll taxes, you "purchase" Social Security. According to SSA, you must earn at least $1,410 every quarter and $5,640 per year to obtain a single work credit in 2020.

For instance, an employee who works at qualifying jobs for 30 years may collect up to 120 work credits. Please keep in mind that the number of credits you have in excess of the required number has no bearing on the number of benefits you obtain via this program.

Frequently Asked Questions:

Can I still receive disability benefits if I don't have enough work credits?

If you don't have enough work credits to qualify for Social Security Disability Insurance (SSDI) benefits, you may still be eligible for Supplemental Security Income (SSI), a needs-based program designed to assist individuals with limited income and resources who are disabled, blind, or elderly.

How can I determine my eligibility for SSI benefits?

To determine your eligibility for SSI benefits, you must meet both the disability and financial criteria set by the Social Security Administration (SSA). You will need to provide documentation of your medical condition, as well as your financial information, including your income, assets, and living expenses. The SSA will review your application to determine if you meet the eligibility requirements.

Are there any other options for financial assistance if I don't qualify for SSDI or SSI?

If you don't qualify for SSDI or SSI, you may be eligible for other forms of financial assistance, such as state or local disability programs, Medicaid, food assistance programs, or housing assistance. Additionally, some private organizations or charities may offer assistance to individuals with disabilities. It's important to explore all available resources and programs that may provide support based on your specific needs and circumstances.

Conclusion

To sum up, it depends on whether you're looking into an SSDI or an SSI. In case it's for the SSDI, you must have the appropriate amount of credits in order to qualify for the disability claim. An important thing to remember is that the amount of credits required varies from one age bracket to the next. If you need more information on what conditions automatically qualify you for disability benefits, check out the rest of Disability Help today.

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