What is Social Security Disability?

Social Security Disability (SSD) is a benefit based on the amount of time you worked in the past and the amount of money you have paid into the system. Think of it as a 401(k). On every paycheck you've received, an amount was allocated to FICA--that's the portion of your paycheck taken by the government. If you've worked 10 out of the last 20 quarters and determined to be disabled or unable to work by a doctor, then you may be entitled to get some of that money paid back to you.

SSD is not a right. You are only entitled to this benefit if you have paid into the system a sufficient number of quarters.

Q.  How much SSD would I be entitled to?
A.  Each awarded amount is different.  It is based on the amount of money that you have paid into the system.

Q.  Can I work and still keep receiving SSD?
A.  Yes, you can earn up to $850 per month and still be entitled to SSD benefits.

Q.  How do I qualify for SSD if I'm disabled?
A.  SSD is not based on whether you feel that you're disabled; it's based on what a doctor says that you can or cannot do. Also, SSD takes into consideration your work history over the last 15 years to determine whether any of your job skills can transfer into another profession. In some cases, if you're found to have the capacity to sit and take tickets in a movie theater, then you are not "disabled" for the purpose of SSD. The doctor's restrictions are key to receiving SSD.

You can file for SSD by phone at 1-800-772-1213 or by visiting your local Social Security Office. When completing the initial application, be sure to mention all dependents because they too may be entitled to benefits if you are awarded SSD. If you are denied, contact my office immediately so I can file a Request for Reconsideration on your behalf.  Requests must be filed within 60 days of the date on the denial letter.