People who are unable to work because of a physical or mental impairment can apply for Social Security Disability Insurance (SSDI) benefits. However, for informational purposes, the Social Security Administration administers a number of social insurance programs, consisting primarily of Federal old age, survivors, Supplemental Security Income (SSI), Health Insurance for Elderly and Disabled (Medicare) and disability insurance.
Disability recipients will normally receive a notice in the mail asking whether or not medical treatment has been received during the past two years, whether or not you feel better than you did two years ago, whether or not you have discussed your ability to work with your doctor and whether your doctor has cleared you to work.
If this hypothetical person were to retire at 70 and commence Social Security Benefits at that time, their payment would be increased forever by 32% to $31,680 per year (plus the increases for working longer) and it is possible that his combined income would be low enough where only a small percentage of Social Security is taxed at a Federal Tax Bracket of only 15%, instead of today’s 25%.
Common worries included the Social Security Administration running out of money, with none left for Social Security Disability cases, and that the agency would become so bogged down with cases and applications that it would become impossible to review cases in a timely manner.
Title II provides for payment of disability benefits to individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the Social Security tax on their earnings, as well as to certain disabled dependents of insured individuals.