Social Security & Disability Insurance

Social security disability insurance is an assistance scheme meant for providing a steady income for people who find it difficult to earn for them due to some adverse medical condition. The support is granted till such time the disability continues. In cases of chronic severe physical problems, it will continue till the time of death.

The funds are garnered by way of income taxes from employees and federal insurance programs of the United States government and managed by the Social Security Administration. Finding out the really needy and helping them out is a problematic field, by the administration is doing the job well in providing timely assistance.

Some people shy away from for the Social security disability insurance programs in the wrong belief that it is a welfare measure. It also seems that there is an undercurrent in the society against such running after such free welfare measures. However, the benefits are allotted only after a long drawn process where it is doubtlessly proved that the aspirant is truly disabled and cannot subsist otherwise.

To qualify for this insurance, the applicant should be in a mental or physical condition which hinders gainful work fit enough to help the person sustain. This state of affairs should continue more than one year or till death. Applicants who are under sixty five years of age and had worked for at least five years in the last ten years only will qualify. People who become disabled before attaining the age of twenty two need not fulfill this work period criteria. They can draw benefits from work credits of their parents, but it is to be said that parents does not loss benefits when their own turn for disability benefits comes around.

The most important documentary evidence required for determining eligibility of the applicant is the medical evidence for proving his or her inability to work. A lot of factors including the age, work history, educational qualifications are also taken into account.

The process is a time consuming procedure, sometimes taking up to eight months depending upon the load of work on the agencies. But once you are considered eligible, a monthly payment, which also takes into account inflation and rise of living costs will come to you. After receiving the benefits for two years, you will be made eligible for collecting medical care too.