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Social Security Disability

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How does Social Security Disability work?

Social Security Disability payments are something you may find you rely on after you suffer an injury in work. With statistics showing that a little over one in four of 20-year-old people in today’s workforce will become disabled before turning 67, understanding how Social Security Disability will affect you is important for your ongoing well-being. Social Security is a safety net; it’s designed to help you during times when you can’t work due to injury, whether that’s a temporary or long-term issue.

There are medical requirements for disability payments in either of the two disability programs provided by the United States government. Both Social Security Disability insurance and Supplementary Security Income require information that explains your disability, medical condition, education history and work history.

If you’re approved for SSD, your first Social Security benefit check will be paid for the sixth month following your disability. So, for instance, if your disability started on January 1, 2015, you could receive your first check in June 2015. The payment due to you for June would be paid in July, and so on, because payments are always made in the month following the month when they’re due.

You will receive payment according to the lifetime average earnings you’ve made according to the Social Security Department’s records. In the meantime, you’ll need to be compensated for the time you’ve been disabled without Social Security income. That’s when workers’ compensation and temporary disability payments will take place to help you reach your full disability term. Additionally, any income you receive from court payouts or settlements can help you cover costs until disability is received.

Source: Social Security, “Disability Planner: Social Security Protection If You Become Disabled,” accessed June 04, 2015

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