Social Security Disability is an important benefit that may be available to Indiana residents who can no longer work. SSD is different from other programs administered by the Social Security Administration. It’s not a retirement program, and it’s not the same as Supplemental Security Income. Disabled people should be aware of what the criteria for this program are.
How SSD works
Social Security Disability (SSD) is designed for people who have worked in the past, in jobs where they paid Social Security tax. Self-employed individuals who paid both halves of the tax are eligible. Recipients can transition directly from SSD to Social Security retirement.
SSD is paid monthly. The amount people receive is based on the number of work credits they have. Work credits are determined based on how long people have worked and how much money they made working. Workers can accrue up to four work credits annually.
People must have a disability that’s recognized under SSD guidelines in order to qualify for the program. SSD is designed for people who have a long-term disability. That means they are unable to continue with their normal work. Usually, people must be disabled, or expected to be disabled, for at least a year.
Receiving SSD benefits doesn’t mean that people are dropping out of the workforce forever. In fact, SSD includes work incentives. These are designed to help people make a smooth transition back to work. Benefits don’t stop immediately, and neither does healthcare coverage.
Applying for SSD can be complicated. Sometimes, people who should be approved are denied. If you find yourself in this position, it’s a good idea to contact a lawyer. Many attorneys understand the SSD system well. They may be able to help you navigate the bureaucracy more effectively than you can on your own.