A common question I get as a Missouri Social Security Disability Lawyer, even on cases I have won is ”Social Security says I’m insured though X date, does that mean they will cut me off then? “ or “what does Social Security mean I’m insured? I don’t have any insurance” or how do I know if I’m insured under SSA regulations. There is a huge amount of misunderstanding about what being “insured” means under the SSA regulations. The term insured has nothing to do with health insurance. In order to be insured under SSA regulations of “disability or Title II benefits a claimant must have work credits and must have paid enough into the system.
Contrary to what some believe, Social Security Disability Title II benefits are not “welfare” but a government run insurance program. You pay your premiums into the Social Security system by paying payroll or self-employment taxes. Each year of work earns up to 4 credits, and a claimant must have acquired 20 credits of the last 40 available credits. In other words, he or she must have worked approximately 5 of the last 10 years to qualify for DIB. The Date Last Insured is the last day the employee was insured for Disability Insurance Benefits.
If you are not insured you may still quality for Supplemental Security Income or SSI. In order to qualify for SSI you must still show you are disabled, but must also qualify on the income and asset thresholds SSA has adopted.
If you have questions and need to speak with a disability attorney in Springfield Missouri call us today. The Krebs Law Firm LLC offers a free case evaluation if you have questions about your Social Security disability claim.
If you would like more information about the Social Security disability application process or the appeals process, please request one of my FREE ebook reports.
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People may be worried that they do not have the money to pay for a Springfield Missouri disability attorney, but we only handle Social Security cases on a contingent fee basis. In other words, there is no fee unless we are successful in getting you the benefits that you deserve. If you would like to speak to Jason Krebs and his staff simply call (417) 883-5886 for your free case evaluation or to discuss your appeal today! Do not delay as you only have 60 days to file your appeal or ask for a reconsideration if you live in Kansas, Arkansas or Oklahoma.