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Social Security Disability (SSD) benefits are what many people who are not able to work due to a disability depend on for money. According to NHMagazine, “Eleven million — one out of every 14 people — are receiving Social Security disability benefits.” The process of getting SSD benefits could be lengthy, complicated, and inconsistent, so it’s best to find a Social Security disability lawyer, who can help you and make it less daunting.
People who qualify for Social Security disability benefits must have worked and paid into the system for a certain number of years. The benefits they can receive is based on their average earnings in the years they were covered. They must also have a medical condition that is severe enough to keep them from participating in basic work for at least a year, and the condition must be progressive and chronic. The Social Security Administration has set down a definition for “disability”, which must be met in order for a member to be eligible for benefits.
If the person is deemed eligible for Social Security disability benefits, the amount that will be received each month will be based on the person’s average lifetime earnings before the disability started, and not on how bad the condition is, or how much income he or she has. The person will receive benefits for as long as he or she is disabled. However, if the condition improves and is no longer a disability, then the benefits may come to a halt. They could also end if the person goes back to work.
The first Social Security disability payment is often received on the sixth month from the date of the disability. Afterwards, the payments will be received each month. If the person is receiving other government-regulated disability benefits, his or her SSD benefits may be decreased such that the total benefits received do not exceed 80 percent of the average amount earned before the disability. On the other hand, receiving disability benefits from private long-term disability insurance will have no effect on SSD benefits.
Seeking SSD benefits involves a lot of details, and a lack of understanding or knowledge of these can result in a denial, or not getting the optimal amount. This is why the assistance of a lawyer is beneficial. An experienced lawyer will know the rules covering SSD benefit applications, and will help ensure that their clients comply with the requirements in a timely, accurate, and convincing manner, to increase their chances of approval.
(Source: The Complicated Process of Claiming Disability, New Hampshire Magazine, February 22, 2015)
Jan Dils, Attorneys at Law