The COVID-19 pandemic has not only affected physical health but also resulted in long-lasting mental health disorders and disabilities such as anxiety and eating disorders. If you are unable to work due to such conditions, you might be eligible for disability benefits which may be crucial for your financial wellbeing. Here’s a guide to understanding the potential amounts you can receive.
Social Security Disability Benefits 💼✅
Social Security Disability Insurance (SSDI) provides benefits to people who are unable to work due to a medical condition expected to last for at least one year or result in death. The average SSDI benefit amount was $1,277 per month as of January 2021 (source: SSA data). Benefit amount is generally proportional to your earning history, which means it could range between $800 and $1,800 with a maximum amount being approximately $3,148 for 2021.
Supplemental Security Income 💰🙌
If you have limited income, you might qualify for the Supplemental Security Income (SSI). As of 2021, the Federal benefit rate is $794 per month, while some states provide additional supplements to this basic rate (source: SSA SSI General Information).
Additional SSDI Benefits for Dependants ✔️🧡
If you currently have dependents under 18 years old, they could qualify for auxiliary benefits up to 50% of your SSDI benefit, increasing the overall benefits your family could receive each month.
Seeking Additional Assistance While Waiting for Approval 🕓💵
The process of SSDI approval can be lengthy. During this time, short-term disability insurance, savings, or help from non-profit organizations can assist in covering living expenses.
Remember, there’s no one-size-fits-all. Each case is evaluated on an individual basis incorporating various factors such as your past earnings, current income, savings, and more.
Applying for disability benefits can seem like a daunting process. However, the safety net provided by these benefits can be crucial for those struggling with pandemic-induced conditions and disabilities.
Note: Always consult with a healthcare provider or disability attorney to understand eligibility and benefit entitlements.
The key to securing these benefits lies in successfully navigating the application process.
1. **Compile your medical evidence**: This serves as the foundation of your claim. Detailed documentation of your condition, treatments, and their impact on your daily life are critical.
2. **Complete your application**: You can apply online for SSDI benefits. For SSI, however, you will have to call SSA to start an application or apply in person at a local SSA office when they reopen for regular services.
3. **Cooperate with SSA requests**: Responding quickly to SSA requests for information helps prevent delays or denials.
Pandemic-Induced Mental Health Issues: A Struggle Worthy of Recognition 🧠🗣️
It’s crucial to remember that a disability isn’t always visible. Conditions such as anxiety, depression, and eating disorders caused or worsened by the pandemic are serious and can equate disability status. The SSA’s BlueBook lists these conditions, clarifying the evidence required for these mental disorders’ disability claims.
Key Takeaway: You’re Entitled to Your Benefits – Claim Them! 🙌💡
Navigating through life with a disability can be challenging, but it’s important to remember that help is available. Taking full advantage of your entitlements is not a matter of convenience, but a necessity.
Lean on the available resources intended to support you on this journey: whether governmental benefits or support from non-profits and charities. Remember that reaching out and accepting aid is a strength, not a weakness.