Tag Archives: SSDI

Can Creditors Take My Social Security Disability Benefits?

Debt is a concern for households all over the United States. Consumer credit company Experian says that consumer debt in our country has risen to $14.1 trillion in 2019. That is a record high. However, people with disabilities have greater concerns when it comes to this figure. Fixed incomes, reduced working potential and medical bills make it hard for people with disabilities to pay debts. This can lead to creditors garnishing their bank accounts. Does that mean creditors can garnish their Social Security? Can Social Security Disability Be Garnished? In short, no, most creditors cannot garnish your Social Security disability benefits. As with most rules like this, there are exceptions and caveats that need explanation. Here is what you need to know. Which Benefits Do Federal Law Protect? Rules set by the U.S. Department of Treasury require banks to automatically protect certain benefits from the government. But this only applies…
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6 Common Mistakes that Ruin a Disability Application

Applying for Social Security disability insurance (SSDI) is a long and complicated process that involves a lot of forms, a lot of medical records and patience. But if you make a mistake you could wind up waiting for months to get those errors fixed, or even worse, your application could be denied. So how can you prevent mistakes on your Social Security disability application? Learn what those common mistakes are. These 6 Common Mistakes Could Ruin a Disability Application Failing to Fill Out the Forms—The Social Security Administration (SSA) is going to send you a whole mess of forms to fill out. It’s up to you to make sure that every part of those forms are filled out correctly. Don’t forget, if a question doesn’t apply to you, put “not applicable” or “N/A” in the provided space. Writing Illegibly—If your case reviewer can’t read your answers, then they can’t really…
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Five Common Questions About Social Security Disability Benefits

As a worker in America, you pay for Social Security through your payroll taxes. However, this payment doesn’t just go toward your future retirement benefits. The payroll taxes you pay also go toward Social Security disability benefits, which can be essential if you become disabled and are no longer able to work. Understanding this part of Social Security can be difficult, and if you don’t have the right information then you may have problems collecting benefits later. Here are a few common questions and answers that many people have about these disability benefits. 5 Questions About Social Security Disability Benefits How Do I Qualify for Social Security Disability? If you are no longer able to perform a substantial amount of work due to impairment, then you may qualify for Social Security disability benefits. However, there are certain requirements that must be met. The Social Security Administration (SSA) requires that applicants…
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What’s the Best Way to File for Social Security Disability?

Social Security disability benefits are a safety net for the American worker who has spent at least five of the last ten years working and paying federal payroll taxes. These benefits are paid for by your hard work, and you cannot claim them unless you have worked, paid into the system, and can no longer work due to illness or injury. However, the process for collecting the benefits can be long and complex. So, it is important that you get the process started right. Things to Consider When Filing for Social Security Disability Make a Budget – If you have to file for SSDI, then you have probably lost your major source of income. Since it can take three to six months for the Social Security Administration (SSA) to get to your claim, you need to have a financial plan to last that long and beyond. Without a financial plan…
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Are Disability Benefits Claimants Still Trying to Work?

  When some people hear that a person is claiming Social Security Disability Insurance (SSDI), they often assume that this claimant is just trying to get out of working. Our society is so work-obsessed that we often stigmatize those who do not have a job, and SSDI claimants sometimes fit into that category. That can lead to unfounded assumptions about disability benefits claimants, but the reality of these people’s lives is far more complex. Disability Benefits Claimants Fight to Work Too The Washington Post has been running stories about people who claim SSDI and SSI. This series has been running for over a year, and its purpose has been to educate the public about what it is really like to be on disability benefits. One of the interesting commonalities that the publication has discovered has been that many claimants still have a desire to work. In a recent article, The…
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