Social Security Disability Basics

  • Added:
    Jan 23, 2013
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Social Security Disability Benefits help to replace lost wages for when you are too injured or sick to work. In this article, we are answering the questions we frequently hear from our clients. If you have additional questions or concerns about your individual Social Security Disability (SSD) Benefits, be sure to consult with a qualified Texas Social Security Disability attorney.

Am I entitled to Social Security Disability Benefits?

There are two prongs to qualifying for SSD Benefits.

• First, you must not be able to work and earn income above a certain level (about $1,000 per month) due to illness or injury.
• Second, you must have paid FICA taxes for a significant period of time (5 of the last 10 years.) FICA is the acronym for “Federal Insurance Contributions Act;” it’s the taxes that are withheld from your paycheck for Social Security and Medicare.

Will my life savings disqualify me from receiving Social Security Disability Benefits?

Good news! Your savings and passive income are irrelevant in regard to SSD Benefits. You could have $1 million in a retirement or investment account and still qualify for SSD Benefits.

Does Social Security Disability provide medical insurance?

Good news and bad news. Yes, SSD provides medical benefits in the form of Medicare; however, there is a two-year wait. You are eligible for benefits two years after you are approved for SSD.

How much will my Social Security Disability benefits be?

Once you’re approved, SSD benefits are paid monthly and are determined by a Social Security Administration formula, using the amount you’ve paid into the system through FICA taxes. Our qualified Dallas/Forth Worth Social Security Disability attorneys can help you to determine your potential benefits or you can call the Social Security Administration (877-456-4251) to get the information yourself.

Can I represent myself or do I need to hire an attorney?

There are two answers to this question. Legally, you are entitled to represent yourself. In practicality, it’s, likely, not a good idea. The SSD qualification process is long, requires specific forms and filings, and has stringent deadlines.

If you’re concerned about paying a SSD attorney, don’t be. There are no fees unless you are awarded back payments; and, even, then the attorney is only entitled to 25% of back payments up to a limit of $6,000. If you don’t hire an attorney, you may get nothing.

What do I do if I am denied Social Security Disability Benefits?

Appeal immediately. You only have 60 days to appeal if you have been denied SSD benefits. If you miss the deadline, you’ll have to re-file your case and start the process all over again. In a process that can take two years, starting over can be disastrous.

How do I know if I’m disabled enough to qualify for Social Security Disability Benefits?

Your are disabled for SSD Benefits if you will unable to work for at least a year due to mental disorders, chronic illnesses, and/or physical handicaps. Even if you can work a little, you may still be qualified for benefits.


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