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Here's what you should look at annually for your benefits

As someone with a disability who needs to apply for Social Security Disability (SSD), there is one thing that you need to do to guarantee your right to obtain SSD. Each year, you should receive an annual statement that discusses your right to Social Security.

Normally, when people talk about Social Security, they're referring to the retirement system. If you're disabled before retirement, SSD could be a way to support yourself, but you'll have to qualify based on your past history of paying into Social Security retirement.

When you receive your annual statement, you'll see how much you've paid into retirement and at what point you can retire and begin to claim. That's not what you'll be interested in. Instead, you want to look for the portion of the statement that shows your disability benefit eligibility. Each person's case is different, but based on your age and the number of years and hours you've worked, the statement will show if you have enough Social Security credits to qualify to obtain SSD. The statement will also show how much money you'll receive in benefits if you do apply and receive them.

Near that will be survivor's benefits, which may also be an important factor in your case. If you die, a loved one may be able to make a claim for a survivor benefit thanks to your work record. If they currently qualify, this will be noted on the statement along with how much they could receive.

Once you have an idea of whether or not you qualify, you can move forward with an application.

Source: The Motley Fool, "1 Smart Social Security Move for Americans of All Ages," Matthew Frankel, May 22, 2018

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In Minnesota, we handle Social Security Disability Insurance (SSDI) claims. Throughout the nation, we handle SSDI applications and appeals for people from Ohio to Kansas, North Dakota to Texas and everywhere in between.

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