North Carolina Social Security Disability – The Bear Bones Basics

April 10, 2012, by Michael A. DeMayo

Whether you discovered the hard news that your 58-year old mother has early onset dementia, or you’ve been diagnosed with a chronic disease that’s compelled you to take substantial time off of work, you are interested in learning about North Carolina social security disability benefits.

This blog often addresses the challenges facing applicants and beneficiaries of programs like social security disability and supplemental security income. But it’s never a bad idea to review the key basics. To that end, here is a summary to help you understand a little bit more about what this program is… and is not.

SSDI – A Little Bit Like a Government Insurance Program

If you worked for certain amount of time and paid FICA taxes for about a decade or longer, you may qualify to receive a monthly stipend called Social Security Disability, if/when a mental or physical problem prevents you from earning a living. You can collect this income irrespective of whether you got hurt at work or not. In other words, this is not like worker’s comp: you can pick up a rare disease on a vacation to Africa, for instance, and come back and still collect benefits. You don’t have to prove that you got sick at work or anything.

Your past earnings will help to determine how much money you can get. When you apply for Social Security Disability, you will have to wait a certain amount of time before collecting benefits. Your filing deadline (or lack thereof) will depend on when you last worked. Be wary of deferring the application process. If you delay, the concept of “date last insured” can come into play and cause you problems. (Follow the link bottom of the page to learn more about the date last insured concept).

The vast majority of SSDI applications are turned down – approximately 2/3rds. The government publishes guidelines to help you speed the process along and improve your chances of collecting the money. But the situation can be quite overwhelming, even for people who are young, healthy, and cognitively capable. If you are struggling with your application, it really may be worth your while to pass the baton to a friend or a family member who has the time, experience, and resourcefulness to walk you through the steps. Alternatively (and/or) you may wish to connect with a law firm in North Carolina that specializes in Social Security Disability benefits.

Note that SSDI may be a safety net, but the program is structured to encourage you to return to employment if/when possible. To that end, you need to be prepared to provide periodic evidence that you remain disabled or sick – and these checks can be somewhat intrusive.

To make the process work for you, invest time in educating yourself about SSDI – what it means, what the common pitfalls are, what the experts recommend, etc. Yes, the concepts and bureaucracy can be confusing. But it’s well worth your time to learn more and thus augment your chances of success.

More Web Resources:

Date Last Insured

FICA Taxes

 
 

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