What if you become disabled and are not insured for SSD?
We never know when disability is going to happen, so it is a good idea to work for employers that take out payroll taxes to improve your chances of being able to qualify for Social Security Disability. However, sometimes people have worked for employers who did not pay Social Security taxes or they were self-employed. So what do you do if you are not insured and disabled?
Social Security does have a need based disability program designed to help uninsured individuals with very limited resources receive a disability benefit. The SSI disability program has strict income and resource limits that determine if you are eligible to receive disability benefits. Generally, you are evaluated for both SSDI and SSI disability when you file for disability.
If you not insured for SSDI but you have a severe impairment and you meet the income and resource limits of SSI, your disability claim will be sent for a medication determination. If you are medically approved for disability, your SSI claim will be sent back for an end line review know as a PERC. This review is to determine if you still meet the income and resource limits of the SSI program along with a discussion of your living arrangements.
If you no longer meet SSI income and resource limits, your SSI claim will be denied even though you were medically approved. Even if you still meet income and resource limits you may still received a reduced benefits dependent upon your living arrangements.
In conclusion, there may be hope for disability benefits even if you are not insured for SSDI, however there are strict guidelines for the SSI program that may prevent you from receiving disability benefits even if you are disabled.
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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