Understanding Disability Insurance Benefits

Taking care of your financial responsibilities after being injured or while dealing with a physical or psychological impairment can be a challenging task. If that injury or disability prevents you from working for more than 12 months and you, your spouse, or parent has been paying social security, you may be eligible for assistance through the government’s Disability Insurance Benefits plan.

The Social Security Administration administers various programs to assist the disabled, providing monthly benefits and health insurance. The programs for adults all employ the same basic definition of disability:

…the inability to do any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to last for a continuous period of not less than 12 months (20 C.F.R section 404.1505(a))

So you, as a claimant must show not only that you can no longer perform the job you used to do, but also establish, generally speaking, that you cannot perform any job at all. That can be a very difficult task, for there are a great many jobs in the national economy — jobs you never dreamed of — which require very little physical capability, and no training at all. How does one convincingly show the inability to do them? Are there exceptions? If so, do they apply in your case? What sort of evidence is effective? These are the things an experienced attorney knows about.

Disability Insurance Benefits (DIB)

If you are unable to work because of a disability, but have worked in the past and paid Social Security taxes, you may be entitled to Disability Insurance Benefits (DIB). It depends on how long you worked and how much you paid. Like any other insurance policy, the coverage may expire. To be entitled, you must show that your disability began at a point in time when you were covered. Disability Insurance Benefits provide a monthly benefit — the amount is determined by how much you paid in — and, after a waiting period, Medicare health insurance.

Disability Insurance Benefits are managed by the Social Security Administration. They are not a handout, but a federal insurance policy that you pay for with your tax dollars, to which you are entitled if you become unable to work because of a physical or mental disability. To qualify, you must have been insured, and you must meet the definition of disability. These benefits will generally continue as long as you meet this definition.

Widows Or Widowers Disability Insurance Benefits

There is also a program for widows or widowers of a deceased spouse who had worked long enough to be insured. If you are at least 50 years old, and become disabled within 7 years of your spouse’s death, you may be eligible.

Disabled Adult Child Benefits

A disabled adult child of a deceased parent who was insured for disability at the time of his or her death may also receive benefits, but must meet the definition of disability, and it must be shown that the disability commenced before their 22nd birthday.

More Than 80 years Of Combined Experience

At Davis, Davis & Patterson, we have the experience and knowledge needed to provide answers to all of your DIB questions. Our lawyers have more than 80 years of combined experience in Social Security Benefits practice and will work diligently to help you get the benefits you are entitled to. Contact our office online or call 706-622-4137 or toll free 1-866-968-8958 to schedule a free consultation to discuss your needs today.

Guidance Throughout The Disability Insurance Benefits Process

Our attorneys know the difficulties you face in securing Disability Insurance Benefits. Using the knowledge gained on both sides of the application and appeals process, we are able to provide knowledgeable and compassionate support during the initial application process and during any subsequent appeals. Our staff works directly with you to help prove your disability while offering detailed guidance on the application and appeals process.