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Living With A Disability? Check if You’re Eligible For Social Security Benefits

According to Go Banking Rates, two in five Americans have very little understanding of the basic concepts and functioning of Social Security in the United States of America. Perhaps, though, even fewer are aware that you may be eligible for Social Security benefits if you are living with a disability. This article will briefly list or explicate the qualifying criteria for such social security grants.

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SSDI/SSI

To begin – the Social Security Authority in the United States of America provides two insurance packages to help those living with disabilities. While these packages – differ in nature – their goal is the same, to aid those whose disability affects their income or/and quality of life.

Are You Eligible for SSI?

Firstly SSDI – or as mentioned in brackets above ‘social security disability insurance’, three factors are very important for eligibility – let’s discuss. Firstly, the nature of your disability cannot be temporary and also affects the amount of insurance you will receive. Next, how old you are before you received your disability, and lastly, how long you have worked before living with your disability in terms of this article. The following guidelines might make things a bit clearer:

When it comes to normal Social Security benefits – SSDI income eligibility works on a credit basis. An applicant must have received at least 40 credits on the duration work test’ to qualify for SSDI benefits – in other words, worked overall at least ten years in their life before their disability.

Furthermore, there is also the ‘recent work test,’ is according to an article from  AARP entitled: “How long do I have to work to qualify for SSDI?” one also has to meet certain requisites in their more recent working lives to be eligible for SSDI. For example, if you became disabled after the age of 31, you must have worked at least five years of the decade before your disability.

However, according to AARP, the SSI program is not affected by how much taxes you have paid and is made available to all people needing resources to defer disability costs.

Resources/ Web-Links:

Social Services Authority – ssa.gov

AARP- www.aarp.org/retirement/social-security

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