Many people hear the term “social security disability benefits” and only think of the benefits you receive once you reach standard retirement age in the United States. In actuality, SSDI is much more. Nearly one in four families receives some form of social security benefits, so it rings true to say that SSDI benefits are really the foundation of economic freedom and stability for millions of Americans.
Four Basic Categories Of Social Security Benefits
Largely considered a pay-as-you-go program, workers pay into the social security tax pot over a period of time. That money is then distributed to its beneficiaries in the form of monthly payments depending upon a person’s age and how many years they’ve spent in the workforce.
When a worker hits the age of 62 and has worked at least 10 years, they are eligible for retirement benefits. Although the current full retirement age is between the ages of 65 and 67, the government allows you to begin collecting SSDI benefits at the age of 62. The longer you work and push off collecting social security, the higher your monthly payments will be.
If you can not work due to a physical or mental condition for at least one full year, you may be eligible for social security benefits. If you do become disabled, it is important to file for disability payments as soon as possible because it typically takes several months to process a claim.
Whether or not you depend on your spouse for financial support, you’re still entitled to file for SSDI benefits if your spouse is retired or disabled. Let your SSDI attorney know of any dependent children under the age of 16, because they may be entitled to dependent benefits as well.
When a person dies, members of their family may be entitled to SSDI survivor benefits. If the surviving spouse is over the age of 60, disabled and over the age of 50, or any age and cares for children of the deceased spouse, they can file a claim to receive social security disability benefits.
If you have been injured or can no longer work due to a physical or mental condition , the Rose Law Offices can help guide you through the Social Security disability process. For more information on their wide range of SSDI services, visit the website. To make an appointment with an SSDI attorney in Honolulu, Hawaii, call (808) 534-1999; to see a lawyer in Puyallup,Washington, call (253) 864-0383.