SOCIAL SECURITY DISABILITY BENEFITS

Every paycheck we get lists a deduction for FICA taxes.  What is that?  A part of that deduction represents a contribution to your retirement account with the government.  Another part of it represents a premium for Social Security Disability Benefits, also known as TITLE II Benefits.  Should a worker become disabled, these Benefits represent something similar to a private disability policy.  If you pay into it, you have coverage. 

However, Social Security Disability coverage differs from a private disability policy that terminates coverage if you stop paying the premiums.  If you have paid enough into the Social Security system, your disability coverage continues for up to five years after you have stopped working.  In order to be eligible for these benefits, you must have paid into the system a minimum of five out of the last ten years.  In other words, 20 quarters out of the last 40 quarters (each year has four quarters). 

The Social Security Retirement fund is a separate fund from the disability fund.  However, the amount you receive from either fund will depend upon how much you have paid into each.  Every year, you should receive a statement from the Social Security Administration that provides an estimate of your monthly benefit from each fund.  This information can be helpful in planning your retirement or your application for disability.

There are three ways to apply for Social Security Disability Benefits.  You can apply online at ssa.gov.  You can apply by telephone by calling 1-800-772-1213 or you can apply in person at your local Social Security District Office.  You do not need an attorney to apply for disability benefits.  When you apply, you should have your Social Security card available and your birth certificate.

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