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Frequently asked questions about Social Security Disability Insurance (SSDI) and Social Security Income (SSI).

 



How does Social Security determine your eligibility or quarters of coverage (“QCs”)?

The medical requirements for both programs are identical, but each program has different nonmedical requirements. SSDI is basically an insurance plan, for which you establish eligibility by meeting through your work certain earnings requirement called quarters of coverage (known as "QCs"). You receive credit for a certain amount of work in jobs for which Social Security taxes were paid, and some of these quarters must have been done near the time your disability began. In general, if you are over 31, you must meet the "20/40" rule (20 CFR §404.130); this means you must have worked and paid taxes on 20 QCs out of the 40 calendar quarters that occurred before you became disabled. If you are under 31, you can meet the requirement with less work and a minimum of only 6 QCs, if the QCs were earned in one-half of the calendar quarters beginning with the calendar quarter after you turned 21 and ending with the quarter you became disabled. If you became disabled before age 24, you only need 6 QCs in the 12 calendar quarter period ending with the quarter in which your disability began. SSDI also provides benefits to disabled adult children on the Social Security record of a disabled, retired, or deceased parent and also to disabled widows, widowers, and certain surviving divorced spouses. 20 CFR §§ 404.350, 404.345, 404.346, and 404.1505.

SSI is not dependent upon your work credits or QCs, but upon your needs and assets. SSI is a federal welfare program that awards payments only to the disabled claimant. Since the payments are defined in part as "income based on need," overall eligibility is determined partly by the value of any income or assets that you have or to which you may be potentially entitled. Sources of income may include the income of a spouse living with you; pensions from civil service, the Veterans Administration or Railroad Retirement Board; and bank accounts, certificates of deposit, or life insurance policies with a redeemable cash value.

How does SSA determine if you are eligible for SSDI or SSI?
What happens at the Hearing before the Administrative Law Judge?
What is your onset date of disability and how does SSA establish it?
What if you are still working but are medically disabled?
If you try to return to work after being found disabled, will you lose your disability payments?
If you are found to be disabled, how far back can you collect Social Security benefits?
Do you need a lawyer to prove you are eligible for SSDI or SSI?
What will an attorney charge you to handle your claim?
Why would an attorney handle Social Security disability cases?

 

 

Dana Speer

713-857-2123 Direct Line
877-373-5105 Direct Fax

 

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Disabilities Recognized by
Social Security

Impairments that affect Multiple Body
Musculoskeletal System
Special Senses and Speech
Malignant Neoplastic Diseases
Immune System Disorder
Respiratory System
Cardiovascular System
Digestive System
Genitourinary Impairments
Hematological Disorders
Skin Disorders
Endocrine System Systems
Neurological
Mental Disorders
Growth Impairment (child)

 
 
 
   
   
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Disclaimer: The information set forth on this site is not, nor is it intended to be, legal advice. We invite you to contact us and welcome your calls, letters and e-mails. This site is not affiliated in any way with the Social Security Administration and the term “social security lawyer” does not mean a lawyer or attorney who is affiliated with the Social Security Administration.