How Does SSDI Work?

Social Security Disability Insurance pays a monthly cash benefit to those who are no longer able to work and earn a living due to impairment. The physical or mental disability must be expected to last at least 12 months or result in the death of the individual. SSDI is but one part of Social Security which also is the income bedrock for millions of retired Americans.

The benefits for those getting Social Security disability in Kansas City vary; they are based on the earning of the applicant prior to the onset of the disability. Although the benefits vary periodically, in 2014 the monetary benefit for those who earned a lifetime average of $20,000 per year stood at 60 percent while the benefit for those who earned a lifetime average of the taxable maximum is only 28 percent.

* Who pays for disability benefits?

The cost of the program is shared between the worker and his or her employer. Each pays 6.2 percent of earnings up to a maximum amount. Of this 6.2 percent, 5.3 go to pay for retirement benefits while the remaining 0.9 percent pays for disability. The combined tax, when taking both employee and employer into account is 10.6 percent dedicated to retirement and 1.8 percent dedicated to disability.

* Who is eligible for Social Security disability in Kansas City?

The rules that apply for disability are strict; the applicant must be unable to perform any substantial work for financial gain and must have a disability that will last for at least one year. In 2015, anyone that earned in excess of $1090 per month would not be eligible for disability benefits. If the applicant has deductable expenses such as renting a wheelchair or paying a caregiver and the expenses bring the earnings below $1090 a month the applicant may be eligible for benefits.

Social Security disability in Kansas City is extremely complex and the majority of applicants are denied benefits. Knowing this to be the case, having a skilled attorney represent you is well worth while.

If you are going to apply for Social Security disability in Kansas City you are invited to discuss the particulars of your case with the Grundy Disability Group. Follow us on twitter.

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