SSDI Facts

Social Security Disability Insurance (SSDI) is one of the major federal programs that provides monetary assistance to people with disabilities. Unlike some other programs for people with disabilities (like Supplemental Security Income (SSI), an SSDI recipient can qualify for benefits no matter how much money she has and, in many cases, no matter how much she earns . Although the lack of strict financial standards makes SSDI benefits easier to manage once they are obtained, not everyone with a disability can qualify for SSDI, so it pays to know the rules before filing an application for benefits.

SSDI Settlements

Generally the only benefits which are impacted as a result of such settlements are SSI benefits. Social Security Income benefits are “resource based” or “need based”. These terms mean that they are based on your current needs or resources, and such resources exceed the limits set by the social security office then your SSI benefits can be terminated.
SSI benefits can be critical for many recipients providing low to no cost healthcare at most hospitals in California. Recipients receive low cost healthcare, pharmaceuticals and life saving operations at little to no cost, so it is important for such benefits to remain intact. Additionally, any such reward would generally not be outweighed by loss of SSI benefits.
For those who are entering into a settlement negotiation or have been injured and want to know their rights it is important to consider the following avenues. First the money received can be spent down, which means spent within a short period of time upon receipt. However, this is not always a good choice for clients, since the window for spending the funds can often times be short and which can lead to making imp-prudent business decisions. A second option is the creation of a particular type of trust, known as a “special means trust”, which will allow for the injured party to retain the settlement proceeds and keep their SSI benefits.

What are my options as a person collecting SSDI?

If you or a loved one has experienced damages as a result an injury or disability you may be entitled to compensation. There are typically time limits that affected participants have to file a claim, and there’s no cost to see if you’re one of the thousands of people eligible to participate.



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