Disability is a subject you may read about in the newspaper, but not think of as something that might actually happen to you. But the chances of becoming disabled are probably greater than you realize. Studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age.
While we spend a great deal of time working to succeed in our jobs and careers, few of us think about ensuring that we have a safety net to fall back on should we become disabled. This is an area where Social Security can provide valuable help to you.
Social Security will explain the benefits available, how you can qualify, and who can receive benefits on your earnings record. It will also explain how to apply for the benefits and what happens when your application is approved
Your Continuing Eligibility for Benefits
In most cases, you will continue to receive benefits as long as you are
disabled. However, there are certain circumstances that may change your
continuing eligibility for disability benefits. For example, your health may
improve to the point where you are no longer disabled. Or, like many people, you
would like to go back to work rather than depend on your disability benefits.
Social Security certainly encourages you to do so, and Social Security has
special rules called "work incentives" that can help you make the
transition back to work. These incentives include, but are not limited to,
continued monthly benefits and Medicare coverage while you attempt to work on a
Reviewing Your Disability
In general, your benefits will continue as long as
you are disabled. However, the law requires that Social
Security review your case periodically to see if you are
still disabled. How often Social Security
reviews your case depends on whether your condition is expected to improve. ·
things can cause Social Security to decide that you are no longer disabled and
to stop your benefits.
When you start receiving disability benefits, certain members of your family may also qualify for benefits on your record. Each family member may be eligible for a monthly benefit that is up to 50 percent of your disability rate. However, there's a limit to the total amount of money that can be paid to a family on your Social Security record. The limit varies, but is around 150 to 180 percent of your disability benefit. If the sum of the benefits payable on your account is greater than this family limit, the benefits to the family members will be reduced proportionately. Your benefit will not be affected.
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