Different Types of Social Security Disability Benefits

There are five major types of Social Security disability benefits. Each of these benefit programs is administered by the Social Security Administration.

Disabled Individuals

The primary benefit program is the one that provides Disability Insurance Benefits (DIB). This benefit is paid out to those individuals who have worked in recent years (usually at least five out of the last 10 years) and are now determined to be disabled.

Surviving Spouse

Disabled Widow and Widower’s Benefits (DWB) are paid to surviving spouses who become disabled before or within seven years of the death of their husband or wife and are at least 50 years old. The deceased spouse must have worked enough to be insured under Social Security rules.

Disabled Adult Child

Disabled Adult Child Benefits (DAC) are paid to adult children of a person or persons who are drawing Social Security retirement or disability benefits or are deceased. The disabled adult child must have become disabled before attaining the age of 22.

Supplemental Security Income

Supplemental Security Income /Benefits (SSI) are paid to individuals who are disabled and who meet certain resource limit requirements. Recipients did not have to work in the past to receive benefits through SSI.

Child’s Disability Benefits

Child’s Disability Benefits (CDB) are paid to children who are younger than 18 years old. CDB is another form of SSI, however, different factors are taken into consideration by the Social Security Administration when it comes to determining a child’s disability claim as opposed to an adult’s claim.
A child who has a limiting or severe physical or mental condition which results in severe and marked functional limitations, or is blind, will be considered qualified for CDB. There is no minimum age for Child Disability Benefits – benefits can begin on the day the child is born if they meet the criteria.
Additionally, household income is considered before a child is approved for CDB. Any household that exceeds a certain income threshold is excluded from consideration.

Seek Legal Advice

Applying for Social Security disability benefits can be a long and arduous process. If you believe that you or a family member is entitled to receive any of the disability benefits listed above, and you are not sure how to proceed, come in and speak with one of our dedicated Social Security disability lawyers at Drozdowski & Rabin today.
A legitimate claim is only half of the equation. An expert who understands this detailed and complicated process knows how to present the facts in the manner to be successful. Don’t take a chance with your financial future, give us a call today.

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