Facts About Social Security Disability

In America, 61 million people currently collect monthly benefits from Social Security. This program helps provide financial security for retirees and people with disabilities. It also supplies benefits for families of retired, disabled and deceased workers. If you’ve been injured or have a debilitating medical condition and can no longer work, Social Security disability benefits can help you make ends meet. If you think you or a loved one may qualify for Social Security disability benefits, there are some things you should know. Read on for a few key facts about the program.

Fact #1: Almost All Workers Pay Social Security Taxes

Social Security Disability feature

Social Security disability insurance is paid for with FICA taxes. These taxes come out of your paycheck each week. So, if you work in a job that requires you to pay Social Security taxes, you are paying into this social security disability program and you may be eligible to receive disability benefits. If you’re no longer able to work due to a disability, Social Security will help replace your lost income. If you qualify, these benefits can go towards you and your dependents.

Fact #2: The Social Security Act Strictly Defines Disability

To receive disability benefits, you must meet certain criteria as laid out in the Social Security Act. For instance, let’s say you’re unable to work because of a severe medical condition. You might qualify for disability if the condition will prevent you from working for at least one year. Additionally, you must prove that not only can you not do the work you have done in the past, there has to be no other work within the national economy that you are able to perform due to your disabilities. You may also qualify if it is a terminal diagnosis.

Fact #3: You Can Receive Social Security Disability Insurance at Any Age

Unfortunately, many people hear Social Security and think of retirement age. That isn’t the case with disability benefits. A disability can happen to anyone at any age. Today, 40 million+ Americans live with disabilities. They affect both younger people and the elderly. In fact, one in four Americans will become disabled prior to retirement. And, in severe cases, people with disabilities may qualify for benefits to help replace lost income.

Fact #4: In General, Payments Are Modest

In June of 2017, the average monthly disability benefit was $1,172. For most, that’s just enough to exceed the U.S. Department of Health and Human Services (HHS) poverty guidelines. While these benefits may be modest, if you’re unable to work due to a disability, they can provide stability. In addition, they allow you to meet your family’s basic needs.

For more information about disability benefits, you can refer to the Social Security website or contact DSS. If you believe you may qualify for disability insurance, we can help. DSS can guide you through the Social Security disability benefits process. And, we can even assist you with the appeals process if you have been denied.