A Guide To Secure Social Security Benefits Against Disability
Disability of any form is a curse to humanity. It not only demeans a person's ability to earn livelihood but sometimes also brings him social disrespect. Thus, disability exists not physically only, but also in the minds of the people who constitute our society.
You must have come across various cases, when an efficient employee of an organization was thrown out because he suffered from a kind of disability, and now his family does not even have enough resources to continue even a minimal livelihood.
Disability can bring you to a sorry state. But to safeguard the rights of disabled ocial security benefits are provided by the government. Under the Social Security Act disability is defined as the inability to perform any substantial activity, due to a medically determined mental or physical impairment.
To be eligible to get social security benefits, you need to be disabled for a year. Social Security includes the combination of various impairments that one can suffer. To give you the benefit, all your medical records are collected and then they are carefully studied.
There are five major types of Social Security benefits to the disabled. Of them the disability Insurance Benefits is the most important. It is for the people who were working in the recent years, generally the last five years, and are disabled in the present.
Apart from this the disabled widow's and the widower's are provided with the social security benefits. A person who is 50 years of age and is disabled after the death of the spouse is eligible for this benefit. But the deceased wife or husband should have worked for enough number of years to get the benefits under the social security.
There are also social security benefits for the disabled adult children of the deceased parents . For this to happen the child should have suffered from disability before 22 years of age.
The disability insurance benefits due to the disabled Widow's, Widower's and children with disabilities, are paid to them, irrespective of their financial condition. These benefits are paid on the basis of the record of the social security earnings of the beneficiary. Despite this some other security income benefits, that are given in the form of supplement, are paid to the people who have a poor financial condition and are also disabled.
There is an easiest and the best way to file the social security benefits. You can go to a nearest social security office personally. The alternative way can be that the person may telephonically contact the social security office and then arrange an interview to file a claim.
The very common question that boggles everybody's mind is what is the right time to file a security benefit. Should you wait for some time to claim the benefit or immediately do it? The answer to this query is that you can file for it on the very same day on which you became disabled. Do not make the mistake of waiting for months and years, after encountering disability.