The Social Security Administration (SSA) may consider you disabled as of the date of your application if your disability ruling is favorable. Soon after, you will start receiving disability payments, although your first payment won’t arrive until your waiting period, also known as the elimination period, has passed.
SSDI recipients can open a joint bank account but must be cautious when handling it. Even though the SSDI recipient only owns a fraction of the money in the account, the entire balance is still viewed as a resource.
The good news is that you are eligible for more money from SSDI if you have a child. This can be obtained through family benefits. Furthermore, if you have a child who is disabled, they can also qualify for SSDI under your work record.
There are a variety of reasons why your disability benefits may have been cut off. These include engaging in Substantial Gainful Activity (or SGA), not responding to the Social Security Administration (SSA), being incarcerated, turning 18, having an improvement in your medical condition, and many more.
For starters, state disability insurance is more suited for short-term disability due to its duration of 6–8 weeks, whereas SSDI is a program that continues as long as you remain disabled. SSDI is administered by the Federal government, whereas SDI is administered by the state where you reside.
Part of the long waiting time is the mandatory five-month waiting period that every applicant must go through. Apart from this, the waiting period depends on what kind of condition you have, as some are approved more quickly than others.
But they don’t have anything to worry about. SSDI payments that are based on the individual’s own work record remain unaffected during a divorce. However, the payments may be garnished for alimony or child support.
The reason why social security disability insurance pays so little has to do with the lack of funds available to the government. There are a growing number of SSDI applicants each year, and the tax collections have not been able to make up for it.