Social Security benefits help those in different situations

The different Social Security benefits available may sometimes seem confusing. One type, Supplemental Security Income (SSI), may be available for individuals over 65 who meet income requirements and are disabled or suffering from blindness. SSI-related benefits are for those who are indigent but do not have the work history necessary to qualify for Social Security Disability benefits. This program can provide a much needed financial boost to those who have difficulty or inability to work and do not receive enough in income to reach a minimal level set by the government.

Disability is another issue that can impact a lot of people and whom the Social Security system can assist. According to government research, 20-year old workers have a 25 percent chance of becoming disabled before retirement. In addition to the requirement that the applicant have a medical condition that prevents the applicant from working and is expected to last a year or longer, the applicant must also meet an earnings test. The earnings test is based on the age of the applicant at the time of the disability and the duration of time the applicant has spent working.

Social Security programs may be a benefit to the poor and disabled, as well as to families and children. Because of this, it is important that individuals facing disability understand the different programs that might be available. Understanding the different programs and what each offers, as well as the different requirements necessary to qualify for each program, can be essential financially and emotionally to many individuals and families.

Applying for SSI benefits and disability benefits may at times seem daunting but with an understanding of the programs, requirements and process, it may not have to be so. A Knoxville-based attorney may be able to help individuals better understand the process and advise them on action to take. Hopefully with this help by their side, struggling individuals will be able to find the financial stability they deserve.

Source: The Huffington Post, “Social Security Benefits Made Easy — Part 5,” Jay Lickus, Aug. 4, 2014