Living with a disability can present some issues and concerns. This is true for those who have suddenly suffered a disabling injury or were recently diagnosed with a disabling medical condition. Whether it is a physical or mental impairment, when an individual finds it difficult or impossible to work because of a disability, this can make an already challenging time feel impossible. This is where Social Security disability benefits seeks to address the financial difficulties the inability to work may have on a disabled worker.
Current statistics suggest that 1 in 4 adults in the U.S. report having a disability. This equates to around 61 million adults. When a physical or mental impairment impact’s one’s daily activities, including the ability to work, this could prove eligibility for Social Security Disability Insurance benefits granted they meet the work credit requirements.
When one is approved of SSD benefits, it is important to keep in mind that the amount received is not set in stone. There are ways to have this amount increase, and there are other ways to receive additional assistance. This is all dependent on various factors.
To begin, it should be noted that the amount an SSD recipient receives is based on a formula. Thus, it is important to carefully calculate your earnings, as this could help increase the amount. It is important to be as thorough as possible, especially when one receives income form multiple sources.
Life changes could alter SSD benefits. If a disability results in an early retirement, this could be grounds to receive disability benefits before taking Social Security retirement benefits. This also helps one to avoid taking reduced early retirement benefits. Additionally, if one’s condition changes and allows for one to return to work, this impacts his or her eligibility for disability. It is possible to get a trial period to determine if you are able to return to work. During this trial period, SSD benefits would remain in effect.
Lastly, if SSD benefits are not enough to address all the financial issues one is dealing with because of a disability, there are other sources and assistance options. This may look like food stamps, a free landline or cellphone, low-income home energy assistance, transportation assistance and even affordable housing.
Living with a disability can present some challenges; however, it should not prevent one from living his or her life. SSD benefits can be extremely valuable, and those seeking these benefits should understand the application process and what options they have if they are denied benefits or have them stop because they are determined to no longer be eligible.