Social Safety Incapacity Insurance coverage (SSDI) isn’t the one profit you possibly can declare in case you have a incapacity. You may qualify for different advantages whereas receiving SSDI, together with Supplemental Safety Earnings, Medicare, Medicaid, non-public and employer incapacity insurance coverage, incapacity advantages from the Division of Veterans Affairs (VA), meals and heating help and extra.
Supplemental Safety Earnings
Supplemental Safety Earnings (SSI) is a Social Safety Administration (SSA) profit program that gives a monetary profit to adults and youngsters with disabilities and nondisabled adults older than 65 with restricted revenue and sources. Many individuals who obtain SSDI are additionally eligible to obtain SSI funds.
Receiving SSDI makes you eligible for Medicare. There are just a few exceptions, however usually, a 24-month ready interval for Medicare begins once you first obtain SSDI.
Medicaid is a well being care program that gives medical protection to low-income adults, kids, older adults, pregnant folks, and other people with disabilities. This system is funded collectively by state and federal governments and administered by particular person states.
In the event you obtain SSI, chances are you’ll mechanically be eligible for Medicaid. In lots of states, the SSI utility can also be a Medicaid utility, however in some states, you could have to use individually for Medicaid and SSI.
Meals and vitality advantages
In case your revenue is restricted, chances are you’ll be eligible for advantages that assist pay for requirements like meals and warmth. These embrace:
Supplemental Diet Help Program. SNAP advantages complement the price of groceries for low-income households. These advantages are disbursed on an digital advantages switch (EBT) card that works like a debit card in approved meals shops. These receiving SSDI or SSI can also be eligible to obtain SNAP.
Low Earnings House Power Help Program. This federally funded program subsidizes heating, cooling and different vitality prices. In the event you obtain sure advantages, together with SNAP and SSI, chances are you’ll be mechanically eligible for LIHEAP.
In the event you’re a disabled veteran, chances are you’ll qualify for a Veterans Affairs incapacity profit. The quantity you obtain relies on how extreme your incapacity is and whether or not you will have dependents. VA incapacity and SSDI should not affected by each other, and also you could possibly obtain each advantages.
Non-public insurance coverage advantages
In the event you purchased incapacity insurance coverage from a personal insurer earlier than changing into disabled, chances are you’ll be eligible for month-to-month funds of a sure proportion of your wages. Non-public insurance coverage funds don’t have an effect on your SSDI; you possibly can obtain each advantages.
Staff’ compensation. Most companies are required to offer some wage substitute, medical remedy and incapacity compensation should you develop into disabled due to one thing that occurred whereas working. Receiving employees’ compensation will solely cut back your Social Safety incapacity funds if the mixed quantity of those advantages is greater than 80% of your common earnings earlier than you grew to become disabled.
Incapacity insurance coverage. Many employers within the non-public sector supply employees short- or long-term incapacity insurance coverage. These plans will pay a proportion of your wage in case your incapacity prevents you from working. Brief-term plans usually pay for 3 months to a 12 months, whereas long-term insurance policies will pay from 90 days to years and even for all times.
Authorities workers. Authorities and civil service positions can also supply incapacity insurance coverage. The Civil Service Retirement System (CSRS) covers most civilian federal workers, offering incapacity, retirement and survivor advantages. State governments additionally might present incapacity advantages for his or her workers.
Folks with disabilities could also be eligible for sure tax breaks and advantages:
Decreased or waived revenue tax in your SSDI revenue. In the event you don’t produce other substantial revenue moreover your SSDI and your complete provisional revenue totals lower than $25,000 yearly (or lower than $32,000 for joint filers), you gained’t owe any revenue tax in your SSDI. In the event you exceed these limits, you’ll nonetheless solely owe revenue tax on as much as 85% of your SSDI, relying in your revenue. SSI advantages should not taxable.
Earned revenue tax credit score. The EITC is a tax break for low-income households and people (together with these with disabilities). This credit score can cut back what you owe in revenue taxes or enhance your refund quantity. SSI, SSDI and navy incapacity pensions don’t depend towards your revenue once you declare an EITC.
Additional tax exemptions or deductions. The IRS provides an elevated customary deduction for individuals who are legally blind and different tax breaks for these with bodily or psychological disabilities.
Easy methods to enhance your SSDI profit
There are just a few methods to extend your SSDI profit:
Your partner, minor baby or grownup baby, who grew to become disabled earlier than age 22 could also be eligible to obtain advantages in your file, which will increase your complete household revenue. You might also qualify for survivor’s advantages on a member of the family’s file in case your eligible partner, dependent father or mother or baby has died.
Request to have your profit recalculated should you really feel the quantity of your SSDI is inaccurate and the SSA didn’t embrace all of your revenue in its calculations.
How lengthy will it take to start receiving my SSDI profit after making use of?
Can I get SSDI and a Social Safety retirement profit on the identical time?
How can I discover out what incapacity advantages can be found the place I reside?
If I obtain non-public incapacity insurance coverage funds, will this cut back my SSDI?