Understanding total and permanent disability
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Understanding total and permanent disability

On Behalf of | Apr 15, 2021 | Social Security Disability (SSD)

The Social Security Administration operates two insurance programs. One, Supplemental Security Income, is for certain classes of people who have little or no income. The other, Social Security Disability Insurance, is available to people who worked but no longer can. People in Indiana should understand the terminology used in the Social Security system.

How SSDI works

Social Security Disability Insurance is a program for people who’ve paid Social Security taxes. To qualify for the program, people must have a diagnosis that’s recognized by the Social Security Administration. They must also be long-term disabled. Usually, that means being unable to work for a year.

It’s important to know the terminology used by SSA when it comes to disability. In order to collect Social Security Disability, people must be totally disabled. Total disability is basically defined by the SSA as being unable to work for a year. The threshold for earnings is known as the SGA, for substantial gainful activity.

Permanent disability is different. It affects someone’s ability to earn a living in the long term as well. Permanent disabilities can be mental or physical. In many cases, the benefits provided by the SSA pay the same amount of money for total and permanent disability.

Applying for disability and getting approved can be a long process. Sometimes, applicants also need to deal with a long waiting period before benefits start to be paid. Navigating the Social Security system can be complex. Sometimes, people are denied for simple paperwork errors. Consulting an attorney is wise when dealing with these matters.