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ARE YOU ELIGIBLE FOR RETROACTIVE SSD BENEFITS?

THERE ARE TWO KINDS OF DISABILITY BENEFITS – SSD & SSI BENEFITS

Retroactive disability benefits may be available to you, depending on what kind of benefits you are seeking. There are two kinds of disability benefits that one can apply for within the Social Security System.  The first benefit is Social Security Disability or Title II.  The second benefit is Supplemental Security Income or Title XVI.  Eligibility for retroactive disability benefits depends upon the date you apply for benefits. These benefits are also known as back benefits. Your back benefit depends on whether you were disabled and not working prior to your application date.

All disability benefits stem from the day you apply. Every day you wait to apply is a day you are losing money. We highly recommend you go online at the Social Security website. And, start your disability application online. Do it today. Even if you think you are not ready to apply, you should still do it. You can get a re-entry number. This number allows you to go back and fill in answers at a later point in time.

Even if you don’t know all of the answers to the questions, you can fix it later. The goal is to get your application started. If you do, then the SSA will count the day you start the application as your filing date. This is known as a protective filing date. You have six months from that date to complete your application. Don’t delay. Get going today. If you need help, contact us. That is why we are here.

THERE IS A FIVE MONTH WAITING PERIOD ON SSD BENEFITS

You can apply for disability benefits online at the Social Security website. However, in order to be eligible to apply for SSD or SSI, you must not be working. Your reason for not working must be due to your disability. Also, your disabling impairment must be expected to last for 12 months or longer. If your disabling condition will not last 12 months, then it must be expected to result in death. For example, if you have terminal cancer, then you clearly do not need to meet the 12 month requirement.

If you apply for disability benefits and you have not been working for over a year, you may be eligible for disability benefits retroactively. Retroactive benefits are payable for twelve months prior to the date of filing your application for disability. This only applies if you were not working due to your disability. There is a five-month waiting period that applies to all Social Security Disability claims.  Therefore, if you were disabled and not working 17 months prior to the date of your application for benefits, then your five-month waiting period would run prior to your 12 month period of eligibility. Therefore, you could win one year of retroactive benefits.

social security disability

SSI BENEFITS BEGIN WITH THE DATE OF APPLICATION

Supplemental Security Income applicants are entitled to monthly disability benefits beginning in the month in which they filed for benefits.  SSI is a supplement. Therefore, in addition to proving disability, you must also meet the income and resource requirements of the SSI program. The income and asset restrictions are similar to those of welfare. For example, you cannot have more than $2000 in your bank account. You also can’t have more than one from of transportation. Or, more than one house to live in. The SSA will also look at the income of the people you live with. Unless you are a separate household.

SSI benefits have state limits. For example, in Utah, SSI benefits are currently $794 per month. For a couple, the maximum monthly benefit is $1191 per month. Each state sets their own monthly SSI payment amount. In Nevada, the SSI payment is $769 per month. And, in Nevada per couple it is $1175. California’s SSI payment amount is $910.72 per month for an individual. Per couple, it is $1532.14 in California. Therefore, you can see that the amount of monthly benefit varies by state. Also, these are maximum amounts. Which means, the amount can go down depending on your assets or other income.

When you apply for SSI benefits, you should allege disability began as of the date of your SSI disability application. There is no five-month waiting period for SSI applicants and there are no retroactive SSI benefits payable for any time prior to the filing date of the disability application.  If you have questions about obtaining disability benefits, please contact us through this website. We can help you apply. Also, we can help you appeal a denial from the SSA.

WHAT IS THE AMOUNT OF THE MONTHLY SSD PAYMENT?

The monthly amount of your SSD payment is different for every person. The SSA arrives at your monthly amount of benefits by looking at your work history. Depending on a variety of factors, such as your age and how many years you have worked, the SSA will determine your Primary Insurance Amount (PIA).

In order to be eligible for benefits on your own work record, you need to have 40 quarters of coverage. Or, you need to have worked for 10 years. Those quarters don’t have to be consecutive. For example, you may not work for one quarter because of illness. Or, perhaps there was some other reason for not working. For example, an ill spouse or child. Perhaps, you didn’t work for one quarter due to pregnancy. But if you return to work full-time, then you are once again obtaining quarters of coverage. Covered employment means a job where the employer is paying Social Security payroll taxes. And, the employer is deducting “FICA contributions.”

You SSD benefit depends on how much money you earn. If you are a high earner, then your monthly benefit may be $2000. Likewise, if you are a low wage earner, then you monthly benefit will be low. Perhaps around $500. It all depends on how money you earn while working. The average person’s SSD benefit ranges from $1100 to $1500 a month.

CAN YOU GET RETROACTIVE DISABILITY BENEFITS FOR ANYONE ELSE IN YOUR FAMILY?

A key point to remember is that once you qualify for SSD benefits, you also obtain benefits for your family. For example, your current spouse may be eligible for benefits. Additionally, if you have young children, below the age of 18, then they will qualify for benefits too.  If you have a child with a disability, then they will qualify. Even your ex-spouse may be eligible for benefits based on your work record.

Moreover, when you die, your work record continues to provide benefits to your family. For example, your spouse could receive survivor benefits. Even your ex-spouse, depending on certain factors, can receive benefits. Additionally, you are also eligible to receive spousal benefits, just like your spouse can. You can also get divorcee spousal benefits and survivor benefits. You are eligible for these benefits just like the rest of your family. Your eligibility is based on the work records of your current or former spouse. Therefore, make sure your work record is accurate.

Your work record is the key to receiving all benefits from the Social Security Administration. You should check your work record. Make sure it is accurate. This can be done by making an account on the Social Security website. The agency calls the account “my Social Security.” You will need your Social Security number. Also, you will need a valid email address. You must have a valid mailing address to create the account. Once you set up the account, you can check your Social Security Statement. This statement shows your yearly earnings from your employers. It also shows whether they paid Social Security payroll taxes. The statement comes from IRS reports.

CANNON DISABILITY CAN HELP OBTAIN YOUR RETROACTIVE DISABILITY BENEFITS

Cannon Disability can help you apply for disability benefits. Applying is the first thing you need to do in order to obtain your retroactive benefits. You can file an application for SSD and SSI benefits online at Social Security’s website. When you being the disability application process, you put yourself in line to become eligible for your benefits. Nothing will start until you apply. Do it today. If you need help applying, just call us. We will help you get started.

We know you may not like lawyers. You may even want to kill all the lawyers, that is, until you need one. Obtaining disability benefits is when you need a good lawyer. Hire one with experience. We have won over 20,000 SSD & SSI disability cases in the last 30 years. Our experience gives us the skills to help you win your case. You need to win benefits. Also, you need to replace your income. Win them not just for yourself, but also for your family.

We offer a free consultation. All you need to do is contact Cannon Disability Law. We are happy to help you file for benefits online. Also, we will help you appeal your benefit denials. Learn more about how we can help you apply for and win disability benefits at Utah disability information. Likewise, you can learn more about winning benefits at Nevada disability information.  Additionally, we do not charge an attorney fee unless we win your case. You can trust our experience. Contact us today.

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