Crowe & Shanahan
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July 2014 Archives

Understanding Social Security and disability benefits

Workers in Missouri may wonder about what will happen if they face disabling physical conditions that prevent them from continuing to work. It may be helpful to review information provided by the Social Security Administration so that benefits are understood long before there is a need to use them. The SSA has initiated a public awareness campaign to ensure that the public understands options and so that misconceptions are clarified.

Appealing the denial of Social Security Disability benefits

St. Louis residents who are seeking to obtain Social Security Disability benefits may be interested in how the appeals process works. When a person's Social Security Disability claim is denied, they have just 60 days of receiving the letter of denial in which to file an appeal, which features multiple levels that allow for fresh reviews of the evidence.

Understanding Social Security disability benefits

While many Missouri residents may think of Social Security primarily in terms of retirement benefits, the disability benefits are also quite important. Social Security has been in place for approximately 80 years, designed to help individuals deal with the challenges of life. The program was expanded to include disability coverage in the mid-1950s. Approximately 91 percent of U.S. citizens who have not yet reached retirement age but who are old enough to be in the workforce are covered. The insurance provided is equivalent to a nearly $600,000 insurance policy.

An overview of children's Social Security benefits

More than 4 million children in the United States receive monthly Social Security benefits of $2.5 billion. These may be due to the disability, death or retirement of a parent. However, Missouri residents may be surprised to know that many eligible people are missing benefits. The most common benefit that people are aware of is that for surviving children when a parent dies. However, with issues such as parental retirement and disability benefits, awareness is much more limited about the eligibility for related spousal and child benefits.