indeks dollar: Re: Michigan Tightwads Social Security and SSI

Rabu, 06 Februari 2008

Re: Michigan Tightwads Social Security and SSI

Thanks,
I learned some new things and I have been on SSD for going on three years now. Do you know for Social Security Disability, what the time frame is when they review your case? I forget when that is.
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Thank you,

Bethanny

"Children learn from watching their role models"
"What we do to our children, they grow up to do to the world."

---- Judith Florip <floripjudith@yahoo.com> wrote:

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Okay ladies. You all are pretty close but let me try to clarify. I worked for Social Security for 22 years so the basics are still the same as far as I know. The dollar amounts have changed since I went out on disabitlity myself in 1994.

Social Security Benefits:

Social Security has benefits for those who have worked and paid into the social security program. There are survivor benefits for spouses 60 and older and children under age 18. There is a maximum amount that can be paid out that is based on the workers primary amount would be. That is why one child or 6 children would receive the same total amount. The total is the Family Maximum amount. There is no medical insurance for anyone under these survivor benefits thru SSA. State is another question.

There is Social Security for Retired persons and the dependents. Pretty much the same as above for children and spouse with kids under 18 may also be eligible. These are not survivor benefits but rather dependent benefits. Of course the worker/retire receives first.

Social Security Disability benefits are for the worker who has paid into Social Security 5 out of the last 10 years prior to becoming disabled. If under age 22 it is less years. If approved medically (which i know is extremely difficult to do the first time around) the disable person receives benefits. Their children under age 18 and possibly a spouse with kids under 18 in her care would also be eligible for benefits, subject to the Family Maximum Amount I mentioned earlier. The disabled person is eligible for Medicare after 2 years of eligiblity.
Also, the benefits are reactive for up to one year prior to your application date (assuming you have been disabled that long) but there is no payment for the first 5 months (if I remember correctly). But that affects you Medicare eligibility date.
Always appeal your decision immediately if denied the first time. Attorney not necessary but in my own opinion a very good idea when you appeal. (Not needed for first filing.)

Ok, Now let's go to SSI. Supplemental Security Income is a benefit for people who have not paid into Social Security or not long enough to qualify. This comes out of the General Fund, not the Social Security Fund. The medical requirements are exactly the same for both programs. This program is based on all income in the household of the disabled person. The amount they receive is based on that and can possibly change monthly if income in the household changes monthly. (This is a very complicated formula) There are no benefits for spouses or children unless they are also disabled. There is no health insurance for anyone except the disabled person receives Medicaid. (Again the dependents might be eligible thru the state but not the Federal government).

It is possible for a person to receive both SSD and SSI if the SSD amount is less than the SSI amount for their state. (A portion of the SSI also comes from the state).

Persons over age 65 may also be eligible for aged SSI depending on their income. But only for themselves.

Also persons(children) under 18 may be eligible for SSI Disability if they qualify medically and the household income is below a certain level.

I am sure I have missed something, but that is a general overview of the 2 programs. Hope this helps.

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