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Social Security - Disability Benefits

You may be eligible for Social Security benefits if you cannot work because of a medical condition that is expected to last at least one year or result in death. Two earning tests must be met to qualify for disability benefits. A recent work test, which is based on age at the time the disability occurred, and a duration of work test, which requires that the potential claimant worked long enough under Social Security to be eligible for disability benefits. See https://www.socialsecurity. gov/pubs/EN-05-10029.pdf for details.

Certain family members of the approved disabled person can also receive Social Security benefits, in­cluding a spouse age 62 or older, a spouse of any age caring for the claimant's child under the age of 16, or an adult child who is permanently disabled. If you are divorced spouse, your ex-spouse may be able to collect benefits as long as your marriage lasts at least ten years and your ex-spouse is at least 62 years old and single.

If you receive disability benefits and have a dependent child under age 18 (or under age 19 if still in high school) or a disabled adult child, the child may also be eligible to collect dependent benefits on your earnings record. However, family maximum benefit rules may apply (150% to 180% of the worker's primary insurance amount). Social Security disability benefits automatically convert to retirement benefits at full retirement age, but the monthly amount remains the same.

Click Here for Main Social Security Planning page.

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