Social Security Disability Insurance
Disability is a subject that is not new to everybody. You may have heard or read about it in books and newspapers. However, although very much common, disability is a matter often overlooked by many. This is perhaps due to the fact that no one loves to think about disability as something that might actually happen to you. But this does not free us from the possibility of becoming disabled. Only time can tell.
With disability being so common, people started thinking about insuring themselves if they become disabled. Fortunately, the Social Security Disability Insurance is now available for them to consider.
But, what about Social Security Disability Insurance? What is covered and not covered by this program? What are its benefits?
Well, the Social Security Disability Insurance is in the first place a federal cash benefit given for disabled persons. It was developed by the Social Security itself as a way of providing disabled people the assistance they need in life. And since it was designed for those who have a disability problem, the Social Security Disability Insurance is only made available for those who are suffering the condition and meet the criteria set by the Social Security system.
Speaking of criteria, the Social Security Disability Insurance requires applicants to work first in jobs covered by the Social Security. Also, they must have a medical condition that meets the definition of disability as maintained by the Social Security. If these basic requirements are met, the Social Security with the use of the program will pay you monthly cash benefits, which will tend to continue until the disabled person is able to work again on a regular basis.
Another interesting thing to note about the Social Security Disability Insurance is that it offers a number of special rules known by the governing body as “work incentives”. These incentives are given to provide the disabled person the chance to avail a continued support, including a health care coverage that will be necessary for him or her to go back to work as early as possible. And, if for instance, you are receiving the benefits offered by the Social Security Disability Insurance program when you reach your full retirement age, the benefits you are enjoying can automatically be converted to retirement benefits. However, the amount given to you the time before your reach your full retirement age remains the same.
The Social Security Disability Insurance can be applied for either online or offline. If you consider online application, you just need to go to SSA.gov and complete the application given online. You can also call the Social Security office through this toll-free number: 1-800-772-1213. As maintained by the Social Security itself, it would be best if you’ll apply for the benefits as soon as you become disabled. But anytime you are ready to apply for the Social Security Disability Insurance benefits, do so.