SSD: Types of Benefits
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In 2010, Social Security benefits were awarded to 5.7 million people, which was a decrease from the 8.1 million in 2007. Furthermore, the average monthly payment to disabled workers as of October 2012 was $1,111.09, therefore demonstrating the large sum of money given to those suffering from disabilities.
More recently, the government has placed more strict regulations on who receives social security disability, largely due to the fact that people had been abusing the system. Unfortunately, for the people who truly require disability, they are finding it more difficult to receive, hence the decrease demonstrated above from 2007 to 2010.
At Riddle & Brantley, our Social Security disability attorneys understand the difficulties associated with receiving SSD and can assist in providing the proof needed to obtain the disability benefits you deserve. Our lawyers believe that if you or a loved one has been struggling to receive disability benefits, our team can help to exercise your rights and help you explore your legal options.
Learn more by completing the form to the right of this page.
Types of Social Security Disability Benefits
There are many types of social security benefits a person may be eligible to receive, while the medical rules are the same for each of these programs. A person must be found disabled by the Social Securities regulations in order to receive any type of payment. There are five primary programs which each have non-medical requirements.
The five primary disability programs include:
- Child’s Disability Benefits (CDB) – This is a type of SSI program which provides financial support to children under the age of 17 who are disabled. Of course, social security uses a separate set of rules than adult claims to determine the disability of the child. In order for a child to be found disabled, they must have a mental or physical condition limiting their functionality. In order for a child to receive disability, the parent’s income must not exceed the maximum level.
- Disability Insurance Benefits (SSD or SSDI) – Any individual that has paid a certain amount of Social Security tax over a certain period of time is eligible to receive these types of benefits. Prior employment history will determine when the DIB coverage will begin and when it will end. Disability Insurance Benefits is an insurance program where a worker receives a certain percentage of their earnings taken out of each paycheck. These earnings are gathered and used to pay out disability claims across the state and country. In order to be covered, a person must have worked a minimum of five years within the last ten years before the disability began. There is no household income restriction on these benefits, so even if your spouse is working and able to support you, you are entitled to these benefits.
- Disabled Adult Child Benefits (DAC) – These types of benefits are typically paid to a child over the age of 18 who become disabled before the age of 22, along with a full-time secondary or elementary student under 19 years of age. If the parent is still living, they must be entitled to disability or retirement benefits. If deceased, the parent must have worked for long enough under Social Security for a survivors benefit to be paid.
Furthermore, a person over the age of 18 may be entitled to Social Security benefits based on their disability when a parent has worked for long enough under the program is entitled to disability benefits or has become deceased. The same criterion is used to evaluate these individuals as that used to evaluate adults. The child must be unable to work due to a medical condition which has lasted longer than 12 months, or is expected to result in death. This child’s disability must have started before 22 years of age.
- Disabled Widow/Widower (DWB) – This is a type of disability program intended for widows and widowers. It is based upon the Social Security tax paid by the spouse of the diseased. In order to qualify for these types of benefits, one must be between the age of 50 and 59, and have been married for a minimum of ten years to a person who was covered by Social Security at the time of their death, along with showing that you are under a disability. An individual must prove that tier disability started within seven years of your spouse’s death.
- Supplemental Security Income (SSI) – These types of benefits fall under the Federal Income Supplement Program funded by general tax revenues, not Social Security taxes. This is designed to assist the elderly, blind, and disabled individuals who have little to no income. They are not based upon prior work or the prior work of a family member.In order to obtain SSI, a person must have a limited amount of income and resources. They must also be found disabled under the same rules used for DIB, be over the age of 65, or blind. Furthermore, these individuals must have a low household income or property value to be eligible for SSI. If an individual is found disabled under the Social Security regulations, and their income exceeds a certain maximum level, they will not qualify for SSI benefits.
Our Social Security Disability lawyers are well-versed in each of the types of benefits and are ready to begin exploring the benefits which may be available to you today. We welcome you to contact us to begin exploring your legal options.
Contact Our North Carolina Social Security Disability Attorneys Today
Every year, dozens of individuals in need of Social Security disability are denied their benefits, along with discontinuing benefits while they are still needed. In 2012, nearly 35 percent of social security disability applicants were awarded benefits. Our lawyers are prepared to assist you through the entire process and provide the guidance needed to ensure you receive the benefits you deserve.
With four locations throughout North Carolina in Goldsboro, Jacksonville, Raleigh, and Kinston, our lawyers are able to assist clients in these areas and elsewhere needed. Some additional locations we serve include:
- Cape Fear
- Chapel Hill
- Kill Devil Hills
Our Social Security disability attorneys also serve the surrounding towns, suburbs, and cities of these areas and beyond. If you would like to learn more about our lawyers and how we can help you, we welcome you to contact Riddle & Brantley today at (800) 525-7111 or complete the free case evaluation form located on the upper right side of this page. All information entered will remain completely confidential to our lawyers and is totally free to submit.