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Securing a reliable income isn’t always easy, especially when dealing with a recent injury and are unable to work. While you could file for unemployment, Social Security disability is another option. It’s available to all who apply and could ensure a sufficient amount of funds to get you through each month. Here’s what you should know.

A Guide to Social Security Disability

Who is eligible?

You have to hold a job long enough that pays Social Security taxes. Every year earns a maximum of four credits toward the Social Security system.

A total of 40 credits is enough to ensure eligibility, as long as 20 of those credits were received within the last 10 years. If you’re injured at a younger age, there’s a chance to qualify with fewer credits.

How long does it take to apply?

Social Security disabilityApplications can be done over the phone or online. You’ll need a birth certificate, W-2 forms or self-employment tax returns from the previous year, an adult disability report, medical evidence of the injury, and information on workers’ compensation or any other benefits. An hour-long interview will follow to determine your inability to perform work.

Will workers’ compensation and other benefits reduce Social Security disability?

If the benefits you’re receiving total more than 80% of your average earnings before the injury, then the Social Security system will reduce their monthly payments to compensate for the overage. This is largely because many of these disability benefits are publicly paid through federal, state, or local government law. Since Social Security disability benefits come from similar sources, the monetary adjustments ensure an even distribution among constituents. 

Can I return to work while receiving the benefits?

The Ticket to Work Program allows beneficiaries to work a nine-month trial period without losing their Social Security benefits. Those who continue to work after this period will receive full benefits during the months that they earn lower than $1,260, or $2,110 for those who are blind. Earnings that total more than these thresholds will result in no benefits for that month.

 

If you need Social Security disability benefits, reach out to Stow Garvin & Glenn in Dahlonega, GA, to start the application process. They have more than 50 years of experience in working with injured and disabled clients. With a personalized approach and a commitment to justice, these attorneys will help you get the benefits you need. Call (770) 534-5265 to request a free consultation, or visit their website to learn more about their qualifications.

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