All About Government Pension Disability Insurance: All About Government Pension Long Term Disability Insurance By Insurance Experts

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disability insurance benefit until age 65 when is the time the benefit is transfered to the pension program.

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Social Security Disability Benefits
By Jitesh Arora Platinum Quality Author

Being physically or mentally disabled is not a happy proposition for anyone. Such people are not so rare in the society but progressive states finds ways to keep these differently able citizens lead normal lives by providing them with basic amenities which they cannot garner themselves. Healthy and happy citizens make a progressive society. So, societies have taken upon themselves this task, which is beneficial not to the disabled persons only, but also for the society as a whole.

There are many reasons for being disabled. Some are like that since their birth, some become weak and feeble due to old age or sickness, or some by some unfortunate, unnatural occurrences. It is for such persons that governments set aside sizeable amounts as social security disability benefits fund.

However, to become eligible for these benefits, the person seeking the grant should get certified that he is permanently unable to undertake any job of profit due to unfavorable physical, psychological or psychiatric reasons. However, it is a long and comprehensive procedure spanning several months. The first step is to submit a detailed application stating all facts. This is followed by medical examination, verification of the stated facts and in some cases, arbitration. The level of disability and its effect on the well being and survival is ascertained during the course of these procedures. Sometimes the application may get rejected, but the applicant has the choice to appeal for reconsideration or can approach appellate bodies as a last resort.

Disability is defined officially as a physical state where a person is unable to work, or adjust to a different kind of employment due to adverse physical or mental conditions. Also, it has to be noted whether the disability is of permanent nature, or just a passing phase. A person becomes eligible if his or her disability continues for more than one year. But, in real terms, one need not be fully and permanently disabled to become a beneficiary.

Once declared eligible, the applicant will receive support on a monthly basis. After 24 months of support, the beneficiary will become eligible for medical assistance too. Another feature is that dependent family members also are eligible to receive a monthly benefit of maximum fifty 50 percent of support for a disabled person.

Periodical reviews will be conducted to ascertain whether the physical or mental state of the beneficiary is showing substantial improvement. In case of such an improvement where it is proved that the person is able to work and fend for himself without help, disability benefits will rightly come to a stop.

If you want to know more about Social Security Disability Benefits then feel free to visit http://www.disabilityappeal.com

Article Source: http://EzineArticles.com/?expert=Jitesh_Arora

Do You Know Enough About Social Security Disability Benefits
By Jitesh Arora Platinum Quality Author

The Social Security Administration adopts a five step formula to determine whether the applicant is meets the prescribed parameters of disability to be eligible for receiving social security disability benefits. The department has its own definitions about all the terms involved and the applicant has to fulfill all the parameters as per those definitions.

The first step is to determine if the individual is 'working', according to their definition. If it is found that the applicant is earning more than 'Substantial Gainful Activity' amount from his present job, the application will be summarily rejected. The Administration evaluates the work undertaken by a claimant and earnings thereof.

After satisfying the first requirement, the authorities check out whether the claimed impairment is serious enough to substantially limit your capabilities to work and earn a sustainable income. Another criterion to be fulfilled here is that the physical or mental impairment has lasted or is expected to last for a period of not less than a year. The age, education and work experience plays an important role in determining whether the claimant is capable for taking up a less demanding alternative job.

Now it is the time to find out whether the physical or mental impairment the patient is suffering is a listed one. The list consists of 150 medical conditions categorized into thirteen major systems, which they consider severe enough to impair a person from working in a job of profit. Medical professionals working in the field are well versed on the provisions of the Blue Book in which the listings are made.

The fourth step is to figure out the possibility of a person to perform some job which he had done in the past despite the impairment. If the social security administration findings are positive, the applicant would be denied benefits, if otherwise, they move on to the last step.

Here the administration tries to find out whether the person can take up an alternative work which his physical or mental condition permits. There are four determinants while looking at this possibility. The age of the applicant, his educational background, his past work experience and his physical and mental condition. Illness like arthritis are considered differentially as it is found that such diseases create a psychological barrier in the minds of people and renders then unsuitable to do even unskilled work.

Gaining knowledge about these five steps is of phenomenal importance for an applicant if he hopes to get a positive outcome during processing of his application.

If you want to know more about Social Security Disability Benefits then feel free to visit http://www.disabilityappeal.com

Article Source: http://EzineArticles.com/?expert=Jitesh_Arora

Traumatic Brain Injury and Social Security Disability
By Sharon A Christie

I am frequently asked whether someone with a Traumatic Brain Injury can get Social Security disability benefits. The answer is YES, depending on the specific facts of each case. Social Security disability benefits are not awarded based solely on a diagnosis. The key to getting these benefits is to prove that your limitations are severe enough to prevent you from working on a full-time basis.

Social Security has a very specific definition of disability. I talk to many clients who believe that because they are unable to return to their specific job they will automatically be found disabled by the Social Security Administration. This is not true.

The definition of disability that applies to Social Security claims is:

"The inability to do any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months. To meet this definition you must have a severe impairment(s) that makes you unable to do your past relevant work or any other substantial gainful work that exists in the national economy." 20 C.F.R. §404.1505

What does this really mean? Basically, your medical or psychiatric condition must be so severe that it keeps you from doing any type of work on a full-time basis and has already lasted for 12 months or longer, or is expected to last that long. The determination of disability is based on the information in your medical records, reports from your treating doctors about your physical and/or mental limitations, reports from any Consultative Examinations scheduled by the Social Security Administration and your testimony at the hearing before an administrative law judge. The Social Security administration will consider whether you are capable of returning to any of the jobs that you most recently held or any other type of work. This determination of disability does not consider whether you could earn the same amount of money in other types of jobs. This determination is based solely on your physical and/or mental capabilities.

I am also frequently asked whether Social Security has some type of "partial disability" award. The answer is NO. For Social Security purposes your condition must be totally disabling for at least 12 months. However, you can still receive benefits if your condition improves and you return to work. This is called a "closed period" and means that you were unable to work on a full time basis for at least 12 months but have now recovered and can return to work. For example, if you are injured in a serious car accident you might require ongoing therapy for 18 months. After that period you may be able to return to work. You can still qualify for Social Security disability benefits for that 18 month period. You would not receive ongoing monthly benefits, however, once you can return to work.

Medical evidence of your physical and/or psychological limitations is the key to getting Social Security disability benefits. If you have been unable to work for at least 12 months or anticipate that you will be unable to work for that long you may qualify for Social Security disability. So, if this describes your situation you should apply right away.

Sharon Christie is a nurse and an attorney in Towson, Maryland. She handles Social Security disability and serious personal injury cases. Find out more about Sharon A Christie and request her popular free book on Social Security Disability Claims at http://www.SharonChristieLaw.com. You can also reach her at 410-823-8200.

Article Source: http://EzineArticles.com/?expert=Sharon_A_Christie

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