Severe diabetes how will my benefits be calculated?
Recently on our disability forum a user asked, I have severe diabetes. I am currently receiving Social Security Disability Insurance (SSDI) for my condition, but I have recently had both of my legs amputated. I was wondering how my SSDI is calculated and whether my SSDI benefits will increase since my condition has become more severe?
Social Security Disability Insurance is offered by the US government to workers who have a severe health condition which does not allow them to work for at least 12 continuous months. If you have been approved for SSDI benefits the Social Security Administration (SSA) has determined that you are 100% disabled and are not currently able to work due to your diabetes.
How is SSDI calculated for diabetes?
Its important to understand how SSDI benefits are calculated for diabetes. Although the formula is complicated (its calculated based on your average indexed monthly earnings (AIME), which is the average covered earnings of the claimant over a specific number of years, and another complex formula which generates a number called the primary insurance amount (PIA)) the main thing to understand is that the total amount of SSDI you are eligible to receive is calculated before you become disabled.
Next, its important to realize that the SSA only awards benefits for conditions which they believe are 100% disabling. So, unlike the Veterans Administration, for instance, who awards partial veteran's benefits, potentially allowing the benefit amount to increase as the claimants condition becomes more severe, the SSA gives you all the benefits you are entitled to receive at the time they award SSDI to you.
If you have questions about how the SSA calculates your benefit payment or the SSDI benefit you may be entitled to receive for your diabetes you can call the SSA at 1-800-772-1213 or review your benefit information at www.ssa.gov/mystatement/.
Can I increase my SSDI benefit payment for my diabetes?
Whether or not you can increase your benefit payment will depend on whether you are already receiving SSDI benefits or you are still working and earning an income. In your particular case, however, because you are currently receiving SSDI benefits there is nothing you can do to increase your benefit payments.
Workers, who are currently working, however, can increase their estimated disability payment by increasing their income, thus raising their average covered earnings and the amount of taxes paid into the Social Security Trust Fund.
Can I lower my SSDI benefits?
Now, unlike Supplemental Security Income (SSI) which is offered by the Social Security Administration, SSDI benefits are not affected by spousal income or other in-kind support such as food or shelter provided by another person. In fact, the SSA does not care how much your spouse makes.
There are, however, some types of additional compensations provided by the government which can reduce your SSDI payments. For example, some workers who are currently receiving workers compensation benefits may have their SSDI benefits reduced.
Its important to note, however, that SSDI benefits can be completely eliminated if you return to work for too many hours and make too much money for an extended period of time. Talk to the SSA if you plan on returning to work.
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