If you have an illness, disease, or medical condition that prevents you from working, Social Security Disability (SSD) benefits can help provide financial support to you and your family. But you may be wondering what SSD benefits cover and the amount of compensation you can expect to receive. At Fleschner, Stark, Tanoos & Newlin, our national Social Security Disability lawyers are here to help you get the answers you need to plan for your financial future.
Finding answers to your questions about types of SSD coverage can be frustrating. Our national Social Security Disability attorneys handle SSD cases every day, and we can help you understand the SSD benefits owed to you. With attorneys across the United States, we’re able to help you no matter where you live. Contact our 24/7 legal team to get help with your SSD claim or appeal today—just call (800) 477-7315 or complete our free online form.
How to Calculate Your SSD Benefits
SSD functions as an insurance program for workers who pay into the Social Security system each year, and benefits are based on the amount of credits—or quarters of coverage—you pay into the system. The amount of income required to earn one credit is adjusted regularly as average wages increase, and a maximum of four credits can be earned per year. To find the most up-to-date SSD credit income requirements, visit the SSA’s Quarter of Coverage page.
The number of credits needed to qualify for benefits varies depending on your age at the time of you become disabled:
- Under Age 24
You generally must have worked at least 1.5 of the three years before your alleged onset date (AOD)—or the date you became disabled.
- Between Ages 24-30
You typically must have earned credits for half the time between age 21 and your AOD.
- Age 31 and Older
You must have earned at least 20 credits in the 10 years before your AOD. The exact number of credits you need to qualify for benefits increases until age 62.
The SSA offers benefits calculators you can use to determine approximate SSD benefit amounts, however if your claim is approved, the actual amount of benefits you get may vary.
Healthcare Benefits and SSD
If you’re approved for Social Security Disability benefits, you will automatically be enrolled in Medicare after receiving benefits for two years. Your Medicare coverage will include:
- Hospital Insurance (Part A)
Medicare Part A is free and provides coverage for inpatient hospital bills and certain types of follow-up care.
- Medical Insurance (Part B)
Medicare Part B is optional and requires you to pay a monthly premium. This coverage helps cover the costs of outpatient medical care and other medical services.
We’re Here to Help You
At Fleschner, Stark, Tanoos & Newlin, our national Social Security Disability lawyers can help ensure you get all of the benefits you’re owed. We assist thousands of Americans every year, and we’re here to put our knowledge to work for you. So don’t wait—contact our legal team today.