Different Benefits A Qualified Person With Disability Can Acquire

Contributing FICA taxes over the course of employment can truly benefit wage earners and self-employed individuals in case they get disabled

. Once they get to that point wherein they cannot work because of a lingering pain or any physical or mental impairment, availing of disability benefits would be the best thing to do. The Social Security Administration (SSA) will help qualified disabled earners get benefits using what the FICA tax contributions of all regular and self-employed workers.

Qualified persons with disability can be able to receive two major disability benefits that the SSA can provide. The first one is the Disability Insurance benefits. This is given to individuals who followed the criteria regarding disability. For the SSA, a disability prevents regular and self-employed earners to exercise SGA, or substantial gainful activity. Also, the SSA defines a workers disability as a physical or mental condition that has existed or is supposed to last for at least a year.

The claimant must have a long history of work and has contributed Social Security tax through the FICA tax for him to be qualified of the Disability Insurance benefits. The basis for the amount the SSA will be paying for the qualified beneficiary would depend on how much he contributed to the Social Security taxes while he is employed. The longer he worked, the more he will get from his benefits. Once the claimant is qualified, he should wait for five months before he could receive the benefits.

The second of the two major disability benefits is the Supplemental Security Income or the SSI. This SSA program provides benefits for persons with disability that dont earn much to sustain their basic needs. The SSI does not only cater to disabled applicants, but also for the aged, the blind, and for non-workers that have little or no income. The criteria for the prospective SSI applicants are the same as that of the Disability Insurance benefits.

If a qualified Disability Insurance beneficiary must wait for five months, a SSI claimant will be receiving his benefits on the month he filed his claim or the SSA determines him to be disabled. The SSI claimant receives a maximum of $674 coming from the federal government plus any supplementary amount coming from the state. The state SSI varies from state to state. For example, California does not provide food stamps to an SSI beneficiary.

In order for the SSI applicant to receive benefits under the SSI program, he must have limited income and resources. Limited income is from employment earnings and workers compensation, while limited resources come from cash, personal property, land, and bank accounts, among others. The limit for limited resources should be $2,000 for an individual and $3,000 for a couple.

Pursuing any of the two benefits from the SSA will greatly help persons with disability recuperate from their impairments. It is a great feeling for regular earners and self-employed individuals to get back the money theyve contributed to the FICA tax especially when there is a time of need.

by: ashleycasas

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