There are several different types of benefits you might qualify for. The most common ones are discussed below:
A. Disability Insurance Benefits (DIB)
DIB benefits are paid to individuals who have worked at least five out of the past ten years before they became "disabled". There are some exceptions to this for younger individuals who become disabled before they have an opportunity to work 5 full years. Once the individual has worked five out of the past ten years and has reported that income to Social Security they become what Social Security calls "insured". To get DIB benefits the individual must prove that they are both insured and disabled at the time their disability began. It doesn't matter how much money or other assets the individual has for DIB benefits. It is an insurance program. If the individuals are insured and disabled, they get benefits.
B. Children of DIB claimants
If the individual gets DIB benefits and has children, those children may qualify for benefits through their parents. They don't have to be disabled. The benefit is usually one half of the parent's benefits divided among the children, subject to certain family limits.
C. Supplemental Security Income (SSI)
SSI is a welfare program. Individuals who have not worked enough for DIB benefits or who even though they get DIB benefits are still under certain income and asset guidelines, can qualify for SSI. An SSI claimant must prove "disability" in the same manner as a DIB claimant. They then must meet certain income and asset guidelines. Children of pure SSI claimants do not draw benefits through their parent.
D. SSI Children Benefits
If an individual is "disabled" before age 18 and their parents (or whoever is taking care of them) income and assets meet certain guidelines they may qualify for SSI benefits in their own right. The definition of disability in a child's case is different than in an adult's case. In child cases it must be proven that the child has a severe impairment or a combination of impairments that causes a marked degree of limitation in at least two areas.
E. Disabled Widow or Widower's benefits
Disabled individuals who are over 50 years of age and were married to an insured deceased spouse for a certain number of years, may be able to draw benefits based on the deceased spouse's earnings record.
Find out if you qualify today! - http://www.getsocialsecuritydisability.com - Free Eligibility Form
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