Define: Disability Benefits

A: Individuals who have a physical or mental impairment that prevents them from engaging in substantial gainful activity and is expected to last for at least 12 months or result in death may be eligible for disability benefits.

A: You can apply for disability benefits by completing an application online at the Social Security Administration’s website, by calling their toll-free number, or by visiting your local Social Security office.

A: Disabilities that may qualify for benefits include physical impairments, mental disorders, intellectual disabilities, immune system disorders, and certain types of cancers, among others. The specific criteria for each disability are outlined in the Social Security Administration’s Listing of Impairments.

A: The processing time for disability benefit applications can vary, but on average, it takes around three to five months to receive a decision. However, it can take longer if additional information or medical evidence is required.

A: Yes, it is possible to work and still receive disability benefits. However, there are income limits and restrictions on the amount of earnings you can have while receiving benefits. It is important to report any work activity to the Social Security Administration to ensure compliance with the rules.

A: Yes, if your initial application for disability benefits is denied, you have the right to appeal the decision. The appeals process typically involves requesting a reconsideration, attending a hearing before an administrative law judge, and, if necessary, appealing to the Appeals Council or filing a lawsuit in federal court.

A: No, disability benefits are intended for individuals with long-term disabilities that are expected to last for at least 12 months or result in death. Short-term disabilities are typically covered by other forms of insurance, such as employer-provided disability insurance or state temporary disability programs.

A: Yes, it is possible to receive disability benefits while also receiving other forms of assistance. However, the total amount of benefits you receive from all sources may be subject to certain limitations to prevent overpayment.

A: If you are already receiving retirement benefits, you cannot also receive disability benefits. However, if you become disabled before reaching full retirement age, you may be eligible for disability benefits instead of retirement benefits.

A: In order to be eligible for Social Security disability benefits, you generally need to have worked and paid Social Security taxes for a certain number of years. However, there are exceptions for individuals who have a disability that began before the age of 22 and have a parent who is deceased, disabled, or retired and entitled to Social Security benefits.