The Social Security Administration has four programs, one of them is Social Security Disability Insurance (SSDI), which provides assistance, as long as the requirements are met, one of them is the so-called 5-year rule. Know the details.
Social Security benefits almost every family, and at some point, it will touch the lives of almost everyone in the U.S., whether they contributed or not.
According to SSA figures, as of June 2022, about 182 million people worked and paid Social Security taxes and about 66 million people received monthly Social Security benefits, one of them being SSDI.
WHAT IS SSDI?
This is Social Security Disability Insurance (SSDI), a program that provides assistance to people who meet the requirements for physical or mental disability. It is responsible for the benefits of the affected person certain members of your family if it is “insured”.
The medical problem must have at least one of these three options: it lasts at least 12 months, it can cause death, and it prevents you from working.
In July 2023, according to SSA data, nearly 8.7 million people received SSDI benefits, the majority of whom, nearly 7.5 million, were disabled workers. The rest of the beneficiaries (1.2 million) were spouses and children of disabled workers.
WHAT IS THE 5 YEAR RULE IN SOCIAL SECURITY ABOUT?
The SSA has 2,728 rules, according to the latest calculation made by a specialist who collects the media Only money. Within Social Security Disability Insurance (SSDI) there is one that is called lto rule of 5 years, due to the fact that refers to the period of years (5) that applies to those who are over 31 years of age, and that requires that at least five of them have worked the 10 that precede the moment he became incapacitated. Your Social Security payment must have given you at least 20 credits.
The amount needed for a work credit changes from one year to the next. In 2023, for example, you earn one credit for every $1,640 in wages or self-employment income. When you have earned US$6,560, you will have accumulated the 4 credits for the year.
In addition to complying with the 5-year rule, applicant must meet medical disability criteria, which means having a condition that is expected to last a minimum of one year or result in death. This requirement is the same for the SSI program.
WHAT DOES THE SSA DEFINE AS DISABILITY?
The Social Security definition applies only to total disability. No partial disability or short-term disability benefits are paid.. To qualify for SSDI, in addition to the 20 credits, the following rules must be met:
- The person is unable to perform the work or engage in substantial gainful work (SGA) that he or she was previously doing because of his or her medical condition.
- You are unable to do the job you previously did or adjust to another job because of your medical condition.
- Your condition has lasted or is expected to last at least 1 year or result in death.
HOW MUCH WILL I BE PAID FOR SSDI?
Those who qualify and cannot return to work You will receive your SSDI payment like your Social Security check when you reach retirement age:.
- The average benefit for a disabled worker was $1,487, more than $350 less than the average benefit for retired workers receiving Social Security.
- The average benefit for spouses and children of disabled workers is less than $50, since SSA assumes that these people have other sources of income.
HOW DO I APPLY FOR DISABILITY BENEFITS?
You can apply in two ways:
1. Apply for Internet (only available in English).
2. Call the toll-free number, 1-800-772-1213 and press 7 for Spanish, to make an appointment to file a disability claim at your local Social Security office or to make an appointment to have someone take your claim over the phone . The interview for the disability claim lasts one hour. If you are deaf or hard of hearing, you can call TTY, 1 800-325-0778 from 8 am to 7 pm Monday through Friday.
WHAT DO I NEED TO MAKE MY CLAIM ONLINE?
To prove that you are eligible you must provide certain documents, such as:
- Birth certificate or other proof of birth;
- Proof of US citizenship or legal alien status if you were not born in the United States;
- U.S. military discharge document(s) if you performed military service before 1968;
- W-2 form(s) and/or self-employment tax returns from last year;
- Medical tests already in his possession. This includes medical records, medical reports, and recent test results; and
- Award letters, pay stubs, settlement agreements, or other evidence of any temporary or permanent workers’ compensation-type benefits you received.
LEARN MORE ABOUT SOCIAL SECURITY
WHAT SHOULD I DO WITH THE SOCIAL SECURITY CHECK CASHING WHEN SOMEONE DIES?
This indicates the Social Security Administration (SSA):
- If the deceased was receiving Social Security benefits, you must repay the benefits received during the month of death and subsequent months. MORE DETAILS HERE.
HOW DO I RECEIVE SSA BENEFITS IF A RELATIVE DIES?
Eligible family members can receive survivor benefits the month the beneficiary died. To do this, you must visit the website of survivor benefits in www.socialsecurity.gov/benefits/ Survivors for more information.
WHAT MINORS QUALIFY TO RECEIVE THE SOCIAL SECURITY BENEFIT?
To obtain benefits, the child of the Social Security contributor must:
- Have a parent who is retired or disabled and eligible for Social Security benefits.
- Having a parent who died after working long enough at a job that paid Social Security taxes.
- Be under 18 years of age. MORE DETAILS HERE.
MYTHS ABOUT THE SOCIAL SECURITY BENEFIT
Experts mention that certain misconceptions tend to prevail, mention Telemundo. Know what they are:
1. I must claim my benefits as soon as possible
Entitlement to Social Security retirement benefits begins at age 62, but if you do so at that age, you’ll receive less than your full retirement pension. To get your full retirement benefit, you must wait until what is called your “full retirement age”. If they wait even longer, they will receive an 8% annual benefit increase until age 70. THE COMPLETE LIST HERE.
WHAT GUIDELINES AND RULES SHOULD I TAKE INTO ACCOUNT IN THE UNITED STATES SOCIAL SECURITY?
The system of this government program contains 2,728 rules, according to a specialist. Generally speaking, you can be penalized for making “false or misleading statements or withholding information” about certain benefits and claims.
The penalties in this case are failure to pay benefits that would otherwise be paid to you by the SSA, as well as ineligibility for cash benefits. The length of the sentence varies according to these rules:
- Six consecutive months the first time the SSA sanctions you. THE COMPLETE LIST HERE.