There are whisperings and rumors that the Social Security system is going to go bankrupt in 2010. Is this true? Is Social Security really at risk? And if it is, what is going to happen to Social Security Disability benefits? Before you panic and assume that your monthly Social Security Disability benefits are going to stop coming, there are some things you need to know.
When people think about Social Security Disability, they often imagine people who are unable to work due to physical limitations or permanent injuries. Many people do not understand that mental disorders are also a type of disability. The question is, do those who suffer from mental illness have the right to collect Social Security Disability? The answers to this question are not always straightforward, and those who can't work due to mental illness often are not aware of their rights.
When living on Social Security Disability, making ends meet can be a challenge, to say the least. Covering your living expenses with your disability payments can sometimes be challenging. Fortunately, there are some things you can do to alleviate some of the financial burden and make your Social Security Disability benefits stretch further.
Hiring a Social Security disability attorney is the most important step when preparing to apply for disability benefits. With their skills and qualification, they can help you through the whole process, from:
You will probably have lived with your disability for awhile before you apply for Social Security disability benefits, and you will understand very well the impact your condition has on your daily life. Because you have been seeing doctors and having tests and taking medication and undergoing treatments for weeks or months, your doctors also have a good idea of the effect of your disabling condition on your ability to function.
If you become so severely disabled that you can no longer work and if you are granted Social Security disability benefits, you may wonder if you have to do anything to keep those benefits. The general rule of thumb is that if you remain disabled to the point you cannot work, you are entitled to disability benefits until you reach retirement age. Your benefits will not stop coming at retirement age. Instead, you will no longer receive “disability” benefits but rather “retirement” benefits. The name changes, but the benefits do not.
Under political attack as a black hole in the budget, the Social Security Administration (SSA) is working hard to improve its image. Acknowledging the long wait disabled people must put up with, the SSA is opening new offices and hiring more case evaluators. That’s wonderful news for those who are seeking a hearing.
It has never been easy to be approved for Social Security disability benefits. The disability application process is complicated and cumbersome, and the lag time between filing a claim and being granted or denied disability benefits is notoriously long. In the current economy, where more and more people are losing their jobs and their health benefits, the process can be even more difficult.
While those who lead the charge in advocating cuts to Social Security’s benefits programs, including Social Security disability benefits, insist that cutting these programs will help balance the budget, others disagree. Intent on preserving the system, Social Security advocates say that proposed cuts to the system will have little or no effect on the budget or the deficit.
In a political atmosphere in which the elderly and disabled may be asked to accept cuts in their benefits, there seems to be little patience for the assertion that the benefits being paid are too small. However, the National Alliance on Mental Illness has recently done just that, pointing out that SSI income to the mentally ill (and, by extension, other severely disabled people looking to that program for assistance) barely covers housing expenses.
