Types of Social Security Disability Benefits: Title 2 Benefits

There are two main types of Social Security Disability benefits. Social Security Administration refers to one as “Title 2,” and the second one is referred to as “Title 16.” The standard of proving disability is the same for both types of benefits, however the eligibility to qualify for each is quite different. You may apply for both types of benefits concurrently if you qualify. Therefore, this blog post will discuss the ins and outs of Title 2. The Social Security Administration explains, in its description of each program, that “Title 2 provides for payment of disability benefits to disabled individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the Social Security tax on their earnings, as well as to certain disabled dependents of insured individuals” (SSA Disability Evaluation). Thus, Title 2 benefits basically focus on work earnings and work history. When you are working, you are in a sense “paying into the system.” Federal deductions are taken out of each paycheck for Social Security purposes. To qualify for Title 2 benefits, you need to have earned at least 40 Social Security credits. You earn these Social Security credits when you work and pay Social Security taxes. The amount of earnings it takes to earn a credit varies depending on the year. You earn one credit in 2020 for every $1,410 in covered earnings each year. Moreover, you must earn at least $5,640 to get the maximum of four credits for the year. However, it is important to note that the number of credits you earn does not affect the amount of money you might receive under Title 2 if awarded. The number of credits only determines whether you are eligible or not. The amount of money you will receive under Title 2 will depend on your work history and income. Therefore, it is essential you work with an experienced attorney to determine not only whether you qualify, but to also understand the possible monthly amount you may receive based on your specific work history and circumstances.

Reference Link: https://www.ssa.gov/disability/professionals/bluebook/general-info.htm#:~:text=Program%20Description&text=Title%20II%20provides%20for%20payment,disabled%20dependents%20of%20insured%20individuals.