A Safety Net for Disabled Workers
Every paycheck we get lists a deduction for FICA taxes. What is that? A part of that deduction represents a contribution to your retirement account with the government. Another part of it represents a premium for Social Security Disability benefits, also known as TITLE II benefits. If you become disabled and can't work, these benefits represent something similar to a private disability policy. If you pay into it, you have coverage.
I'm David Kapor, a Social Security Disability lawyer in Cincinnati, Ohio. If you have questions about how SSD works or how to appeal a denied claim, I offer a free initial consultation to discuss your case. I have offices in Cincinnati, Fairfield, College Hill, Blue Ash and Tri-County.
Who is Eligible for Social Security Disability?
Social Security Disability coverage differs from private disability insurance, which terminates coverage if you stop paying the premiums. If you have paid enough into the Social Security system, your disability coverage continues for up to five years after you have stopped working. In order to be eligible for these benefits, you must have paid into the system a minimum of five out of the last 10 years.
The Social Security retirement fund is a separate fund from the disability fund. However, the amount you receive from either fund will depend upon how much you have paid into each. Every year, you should receive a statement from the Social Security Administration that provides an estimate of your monthly benefit from each fund. This information can be helpful in planning your retirement or your application for disability.
SSD benefits are paid out of your own account with the Social Security Administration. The monthly amount of benefits you receive is determined by how much you have paid into the account. SSD benefits are not income dependent. Therefore, you would still receive your monthly benefit regardless of other income, say, for example, from stocks, 401(k) plans or assets that you may have. Even Bill Gates would get his check if he met Social Security's definition of disability.
What is Supplemental Security Income?
Supplemental Security Income Benefits is a program for individuals who have not paid enough into the system during the past ten years. This includes, for example, a worker who has been on workers' compensation for 10 years prior to the time of application, or a divorced spouse who has never worked outside of the home and now lives alone. It also includes disabled children of low-income households.
Free Attorney Consultation: To discuss your SSI or SSD case with me, lawyer David Kapor, call 513-878-1867 or fill out the contact form on this Web site.