If you are disabled, you may be eligible for Social Security Disability Insurance (SSDI). However, you might be surprised to find out that your family members may also be eligible for some SSI benefits. When you are no longer able to work due to an injury, your family members will also be adversely affected.
Dependents Who May Claim SSDI
SSDI insurance benefits are limited to yourself and your dependents. A dependent could be a spouse, whether current or divorced and your children. Parents who are 62 years or older and who are not married and are financially dependent on you as a worker are also eligible.
While there are some restrictions regarding how much your family can claim in total, you and your family may receive almost double the amount of benefits when you include your dependents. When the benefits exceed the maximum benefits allowed to your family, each family will receive a reduced and proportionate amount of benefits that will equal the maximum amount allowed.
Requirements for a Spouse
If you will be claiming your spouse as a dependant, you may be required to provide proof that you are married. If your spouse divorced you, he or she can still claim SSDI benefits and your own benefits will never be reduced based on the number of dependents you have. This gives you no reason to not want your dependents to receive benefits.
Making Sure Your Claim is Accepted
Because there are so many benefits that both you and your family member can receive, you'll need to do everything you can to avoid having your SSDI claim denied if you are truly injured and unable to work. However, the Social Security Administration (SSA) often deals with fraudulent claims and will often require a considerable amount of evidence that you are disabled before they will pay benefits.
By contacting a Social Security attorney, you will be guided through the process of applying for SSDI. You will be informed of the medical documents you'll need to prove your claim, the forms you must fill out, and how to fill them out properly. In some cases, it might be complicated to figure out whether you'll qualify for benefits. For example, you may not have a qualifying condition, but you may have a condition that is similar enough that you would receive benefits. If you're not sure if you'll qualify, ask a Social Security attorney.