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3 Things to know about Social Security Disability benefits

The Social Security Administration began in 1935 to help older people who had survived the Great Depression. In time, it began to provide support to children, widows and disabled people, as well. If you suffered an on-the-job injury and can no longer walk, you might qualify for financial support under this system.  

In order to collect benefits, you must qualify by meeting all requirements. You may be considering filing an application for one of several reasons. Perhaps your spouse, who was a primary wage earner in your household, died on the job. You might be eligible for survivor benefits.  

Did an on-the-job injury leave you helpless? 

If you suffered an injury in the workplace, you’d, of course, be happy when the time would come for you to return to work. However, if your injuries were severe, you might not be able to return to the company you worked for when the accident occurred. In fact, if there were permanent implications to your injuries, you might not be employable at this time.  

If that’s the case, you might qualify for Social Security Disability (SSD) benefits. It’s important to note that your condition must meet the government’s criteria as a “disability.” To be eligible for SSD benefits, your injury must prevent you from working. It must also be likely that your condition will last a year or more, or is potentially fatal.  

Have you hit an obstacle during the application process? 

You might have already begun your navigation of the SSD benefits application process. However, if an issue has arisen that is keeping you from completing the process and collecting benefits, you might be in need of additional support. Benefits typically begin six months after the date of disability, meaning that, if your disability began March 1 and your application for benefits receives approval, you could expect to begin receiving payments on September 1, that same year.  

Last year, more than 65 million people collected SSD benefits. In some cases, applicants requested a lump sum payment. Whether you request a lump sum payment or receive increments over time, don’t be surprised if the SSA denies your initial claim. It happens a lot. People often have to work their way through the appeals process before their applications receive approval.  

Where do SSD monies come from? 

Before you suffered an on-the-job injury, you paid taxes on your earnings. You paid more than 6% of your income in taxes to the Social Security Administration. Your employer also paid a matched amount. In some cases, such as if you’re self-employed, you’d be responsible for all taxes paid to the SSA.  

All monies paid to the SSA from employers and employees throughout the country provide financial support to retirees or recipients of SSD benefits. It’s imperative for you to understand the system, as well as the application process, before requesting SSD benefits when an injury has prevented you from returning to work.