Many individuals who are eligible to apply for Social Security disability insurance (SSDI) fail to submit an application because they believe receipt of SSDI will make them ineligible for other forms of public assistance or disability-related benefits. But this can be a costly mistake at a time when people need financial assistance the most. Receipt of SSDI benefits does not necessarily preclude receipt of other forms of public or private assistance designed to help those who are unable to work due to a disability. Learn about benefits available to SSDI recipients.
Below are some of the common types of additional funds that may be available to SSDI recipients. There may be other forms of assistance available in your town through public or non-profit organizations.
Medicare. You will be automatically enrolled in Medicare once you have received SSDI payments for 24 months. Enrollment covers both Medicare Part A, which covers hospital stays, and Medicare Part B, which covers doctors’ visits.
You will also be eligible to enroll in Medicare Part C, which allows recipients to choose healthcare coverage through a Medicare-approved private company, and Medicare Part D, which covers prescription drugs. These are optional programs; you will not be automatically enrolled in either Medicare Part C or Part D.
Medicare recipients have co-pay and deductible requirements. Some states have programs that will cover some or all of these costs for low-income SSDI recipients. Contact your state welfare office to determine your eligibility for any such programs.
Supplemental Security Income. SSI is a federal program meant to supplement the income of aged, blind and disabled individuals. Recipients must meet (and maintain) strict income and resource requirements in order to receive SSI, regardless of whether they meet all the other eligibility criteria. An individual who receives SSDI funds may still be eligible for SSI. You will need to submit a separate application for SSI.
Workers’ compensation. If a work-related injury caused your disability, you may be entitled to workers’ compensation. However, receipt of workers’ compensation may lead to a reduction in your SSDI payment.
When determining whether SSDI payments will be reduced, the SSA will determine the combined value of all SSDI and workers’ compensation benefits paid to the recipient or his family members. If the total monthly payments exceed 80% of the recipient’s average current earnings, the monthly SSDI payment will be reduced by an amount equal to the difference between the recipient’s total monthly benefits and 80% of his average current earnings.
Public disability benefits. If your disability is not job-related, you may be entitled to receive other federal, state or local government benefits. These benefits may include civil service disability benefits, state temporary disability benefits, or state and local government retirement benefits.
Disability benefits from private sources. SSDI recipients may be eligible to receive disability payments from private sources, such as a private pension plan or insurance policy. Receipt of benefits from these sources will not decrease the value of your monthly SSDI payment. Contact the plan administrator for each of these potential sources to find out if disability benefits are available and, if so, the eligibility criteria.
Are you applying for SSDI benefits for the first time or have you been denied SSDI benefits? Consider the Law Office of Attorney Neil H. Good for your legal representation. Contact us online for a free case evaluation or call #(847) 577-4476.