The total is your PIA. This means that between 62 and your FRA, your disability benefit would be higher. This disparity is even greater if you happen to become disabled after you turn, say, The reason here is that your Social Security benefits will be determined by your PIA for the year you turn 62, while your disability benefits would be calculated with your PIA for the next year. The reverse of the above situation is if you are between your FRA and age This continues until you reach 70, at which point your benefit reaches its maximum.
The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers' compensation, insurance, savings, and investments.
If you have enough work to qualify for disability benefits, we use a step-by-step process involving five questions to determine if you are disabled. The five questions are:. If you are not working, we will send your application to the Disability Determination Services DDS office that will make the decision about your medical condition. The DDS uses Steps below to make the decision. Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering — for at least 12 months.
If it does not, we will find that you are not disabled. For each of the major body systems, we maintain a list of medical conditions that we consider severe enough that it prevents a person from doing substantial gainful activity. If your condition is not on the list, we have to decide if it is as severe as a medical condition that is on the list. If it is, we will find that you are disabled. If it is not, we then go to Step 4.
For more information about our disability claims process, visit our Benefits For People With Disabilities website. At this step, we decide if your medical impairment s prevents you from performing any of your past work.
If it does, we proceed to Step 5. We consider your medical conditions, age, education, past work experience, and any transferable skills you may have. Most people who receive disability benefits are workers who qualify on their own records and meet the work and disability requirements we have just described.
However, there are some situations you may not know about:. Many people who meet the legal definition of blindness still have some sight and may be able to read large print and get around without a cane or a guide dog. If you do not meet the legal definition of blindness, you may still qualify for disability benefits if your vision problems alone or combined with other health problems prevent you from working.
They are also most likely qualified for retroactive benefits, which will bring them to their full retirement amount for any month they suffered a disability but were not yet approved for SSDI. This can backfire on some people, however. If you apply for early retirement but do not receive approval for your SSDI claim, you may be stuck drawing a smaller amount of retirement for the rest of your life.
If this happened to you, we may be able to help you in appealing the SSDI denial. You only have 60 days to file this appeal, however, so contact us as soon as possible after you receive a denial. While you cannot collect Social Security retirement and SSDI at the same time to increase your benefits beyond the full retirement amount, there is a program that may allow you to collect additional income.
SSI is a Social Security program that helps seniors and those with a disability who have an extremely low income. To qualify for SSI, you need to meet strict income qualifications and have only a minimum amount of resources.
Under this program, your retirement or SSDI checks count as unearned income. However, many people receive well below this average. You also need to meet other financial qualifications to receive these benefits. Click to contact our personal injury lawyers today. A Social Security benefits lawyer can help you analyze your situation and determine what type of benefits you may qualify for, and check your application before you apply.
We can answer your questions about Social Security benefits and assess your options for getting the income you need through these programs. For example, imagine you are 62 years old. You cannot work and are considering applying for early retirement benefits. By discussing your options with a disability lawyer, you can better understand why you might want to apply for SSDI before you apply for early retirement.
Complete a Free Case Evaluation form now. At Berger and Green, we understand how complicated navigating the process to get the money you need can seem. This is especially true when you are already stressed out because you are unable to work and are unsure how you can continue to pay your bills or care for your family. We can help you determine which benefits you may qualify for and ensure you get the benefits you deserve.
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