I have published an interesting statistic was that recently in a popular online newspaper. According to the article, one of three otherwise healthy adults will experience a long-term state of disability (due to an accident or illness and lasting one months or longer, with the possibility of permanent) sixty years ago.
After reading these statistics, I immediately perked since one third of the rate is quite high. But I had little trouble believing the statistics: As a former disability examiner, it was my responsibility to do nothing but evaluate the records of people young and old, are difficult, by an injury or illness. Most people, however, unless they have known, their ability to work was profoundly affected by an impairment, never the possibility that, at some point will be disabled. Unfortunately, limiting the consequences of an accident or illness are closer than many of us would care to know.
So, what is a person who can no longer do? Answer: The file for any benefits. The next obvious question is, of course, question what kind of benefits? Answer: everything you may be entitled to, including workers compensation benefits, short term disability benefits, long-term disability benefits and, last but not least, federal disability benefits.
Federal disability benefits are of two programs, both from the social security administration. The first program is within the scope of Title 2 of the Social Security Act and is known by many abbreviations and acronyms, such as RSDI (Retirement, Survivors and Disability Insurance), DIB (disability insurance benefits), and SSDI (Social Security disability insurance benefits). But most people simply on the program of social security disability or SSD.
The second program, a disability is supported by the social security administration will be under Title 16 of the Social Security Act and is known as SSI, the income for extra security.
How are these two different disability programs? They differ in a number of ways, both in terms of the basic conditions and in relation to the purpose.
SSI disability is fundamentally based on a needs program. As such, there are certain prerequisites for the limitation of the application for SSI. The first condition is that a potential SSI applicants are not countable assets that are over two thousand dollars. What are countable assets? This includes money in bank accounts, real estate, are not residing at home, and almost every asset an individual, to not be used for the basic needs, and can be liquidated fairly easy.
SSI benefits for minor children who are disabled and for disabled adults who do not qualify for SSD, as a consequence of the inadequate contribution of disability through salary deductions.
SSD, disability or social security, is different. There is no need-based program and is funded by the federal government as a form of insurance. In fact, whether a person the opportunity for SSD depends solely on their insured status. In other words, the individual has worked long enough merit to the minimum number of credits to be insured for SSD? Persons who are insured for SSD benefits may file for SSD benefits. Persons who are not insured SSD May a disability, the application of the SSI program, provided that they do not have assets of more than two thousand dollar limit.
SSD and SSI benefits, but both are of the same Federal Agency, the social security administration. For this reason, disability, either program will be processed and in the same way.
The author of this article is Tim Moore, who in addition to a previous food stamp caseworker, Medicaid caseworker and AFDC caseworker, is a former disability examiner. He publishes a blog on the disability, the title is the Social Security Disability and SSI Blog
0 ความคิดเห็น:
แสดงความคิดเห็น