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The basics of Social Security disability payments

Social Security disability is an important benefit for Americans who can’t go back to work. Everyone in Mississippi should understand a bit about how SSDI works.

Social security disability payments are based on the lifetime earnings of the applicant. That’s why it’s a great idea to retain the Social Security statements that are sent to American workers each year. These show the estimated benefit that an SSDI claimant and their family could be entitled to.

The link to income is one that most people don’t seem to be aware of. Instead, a common perception is that people receive benefits based on the severity of their injuries. The truth is that a disabled person and their dependents can expect to receive 150% to 180% of that estimated benefit amount. Eligible dependents include spouses, ex-spouses, children or disabled adult children.

Not everyone who applies for SSDI will be successful immediately. Although some disabilities are severe enough that the applicant is automatically approved, this isn’t common. More typically, there’s a screening process for each applicant. Conditions can include meeting with doctors. There are also screening questions.

Screening questions cover the person’s income, the severity of the condition and whether the applicant is able to do any work, not just the job they used to do. For every applicant, there’s a five-month waiting period from the time disability occurred to when SSDI payments start. Depending on the situation, SSDI payments may be taxable.

It can be difficult to navigate the system and deal effectively with the Social Security Administration. That’s why it may be a good idea for anyone who has applied for Social Security disability payments to seek help from a lawyer. An experienced lawyer might make all the difference in the world for a stressed SSDI applicant.

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