Growing old is part of one’s life. As we age, our physical and mental abilities may begin to weaken slowly. We work on different jobs depending on our field of specialization and most of us continue to work until we reach the retirement age. As employees, we are all entitled to a safe and secure workplace. Our employers should protect us from any workplace accident that will cause any form of impairment, disability, medical condition, or any injury that may result in death.
When you become disabled, you lose your chance to work and receive a monthly paycheck the way you used to. You become unable to work and might be forced to file for early retirement. Most of the states, including Kentucky, have a social security program or worker’s compensation insurance that provides benefits for disabled citizens especially those with serious medical conditions and long-term disability. They also provide retirement benefits to qualifying recipients.
Social security is a program run by the federal government through payroll taxes and uses it to provide financial protection for retirees, disabled persons, and their family members. The Social Security Administration (SSA) offers two Social Security disability programs that provide benefits for disabled citizens with financial needs. There are disability requirements that you need to know to qualify in one of the programs. A competent Kentucky social security attorney can guide you in the completion of the requirements.
Social Security Disability Insurance (SSDI) is a program offered specifically to disabled persons who have worked for a certain number of years. Most of the people who are entitled to Social Security retirement benefits may also qualify for this program. The amount of the monthly benefit is determined by a formula based on the average of your yearly earnings record since you began working. Social Security keeps a record of these earnings over your work history and pays benefits based on the average amount earned.
On the other hand, the Supplemental Security Income (SSI) program is intended for disabled and elderly persons with low income and limited assets. A qualifying claimant of SSI benefits may also receive food allowance, housing assistance, and medical benefits (Medicaid).
The application forms for the social security disability benefits claim can be submitted to the Social Security Administration through the website www.ssa.org or one of the 26 Kentucky field offices. Social Security will do the initial screening to check the entitlement of the applicant, then the Kentucky Disability Determination Service (DDS) will do the medical eligibility assessment. They will also check the eligibility of the applicant for the two-state programs of Kentucky namely the Medicaid and the Kentucky Transitional Assistance Program (KTAP). A credible Kentucky social security lawyer can assist you in such filing.
The Kentucky Supplemental Security Income (SSI) is administered by the Department of Community Based Services and Kentucky’s Cabinet for Health and Family Services (CHFS). The Kentucky government allots a fund for Supplemental Security Income (SSI) and allocates it to people who are living in a home or needing care at home. A supplement of $520 each month is given to individuals who are staying in a personal care facility. If a person stays in a family care home, a supplement amount of $172 will be granted every month. For persons who are staying at home with a caretaker, individuals will be given $62 per month and couples will be granted $115 every month.
In Kentucky, it is mandatory for all employers (except for agricultural employers) to provide worker’s compensation benefits for all their employees. An employee who got injured at work and became disabled has the legal right to file a worker’s compensation benefits claim with their employer. If the disability lasted for more than one year, the injured worker may be eligible for Social Security benefits.
It is a must for you to know the eligibility requirements to qualify for the social security program. You need to be aware of your right to social security benefits, the benefit amount that you will receive, and when you will be allowed to claim them. Our reliable attorneys will help you claim your Social Security benefits that you deserve. Contact our experienced Kentucky social security lawyers at Farmer & Wright, PLLC who are ready to answer all your questions about social security benefits.