Social Security Disability Benefit Qualification
Why should I apply for Social Security disability benefits if my employer or insurance company is already paying benefits? Thousands of disabled Americans who don't know the answer to that question are shortchanging themselves. And so are employers who don't realize the lack of Social Security Disability Benefit Qualification are costing them a larger share of their employees; disability benefits than necessary.
The definition of total disability for Social Security Disability Benefit Qualification purposes is much more restrictive than for individual policies. A high percentage of first time applicants for Social Security Disability Benefit Qualification are turned down. Whereas Private coverage typically contains a definition of total disability which either defines it as your inability to perform the duties of your regular occupation, or - an occupation for which you have become reasonably fitted by virtue of your education, training, and experience. With Social Security, Total Disability means your inability to perform any substantial work and the disability must be expected to last a minimum of 12 months or to result in your earlier death.
The Social Security Fund is required to confirm, at least once each year, that a member continues to remain eligible for Fund Disability Retirement benefits due to the member's continuing the Social Security Disability Benefit Qualification.
Accordingly, the member must sign Consent for Disclosure of Information form authorizing the Social Security Administration to release information to the Fund verifying the members Social Security Disability Benefit Qualification to receive Social Security disability benefits.
The ability of the Fund to continue a member's benefits without interruption will depend on the prompt return of the Consent for Disclosure of Information form properly completed and signed by the member. A member's signed Consent for Disclosure of Information form should be returned to the Fund within 30 days of the date of the request letter from the Fund in order to prevent any interruption in Fund benefits.
A Consent for Disclosure of Information that is effective until revoked in writing by the member will authorize the Social Security Administration to confirm the member's disability to the Fund each year, as necessary, without the member having to sign a new form each year. This method is a more certain way of protecting against any interruption in Fund benefits.
The disabled person, regardless of age, can Social Security Disability Benefit Qualification passer, he/she is then eligible for Medicare coverage. Medicare coverage includes Part A hospital benefits and Part B medical benefits, which, when added to any other health insurance coverage, will increase overall health insurance protection.