For many in New York who may have become disabled or injured and found themselves unable to work, seeking assistance under the Social Security disability program is a good option to make financial ends meet. However, SSD benefits can be confusing, and some find that they do not understand exactly what they can expect to receive or how to qualify for the program. This understanding is important so that an injured or ill person can maximize their potential benefit from the disability program.
Social Security disability is a program administered by the Social Security Administration and is intended to assist injured or ill workers who can no longer be employed in their normal occupations. To qualify, the injury or illness must either be expected to last for at least 12 months or result in death. In addition, the SSD benefits program maintains a list of certain severe illnesses that can be rushed through the process to make sure people receive benefits. For other disabilities, the application and approval process can be a slow one, often taking up to one year or more.
SSD benefits are not only for injured and ill workers, but can also be paid to survivors and the children of the benefit recipient. An adult who has been disabled since childhood and has never worked may also qualify for the assistance program. This is different from other assistance programs, such as SSI, which does not apply to survivors.
The SSD benefits program was created in 1960 and is based on a worker's Social Security record. The program is financed using tax money paid by workers, employers and the self-employed. For those inured and ill workers in New York who find that they cannot work to support themselves, the SSD program is invaluable.
Source: aarp.org, "What's the Difference Between SSDI and SSI?" Stan Hinden, June 13, 2012