Social security is one of the most important aspects of our lives. Civilization has brought some of the best things to our lives. But you just can’t ignore the risks that have come with it as a baggage. Every nation of the world intends to take good care of its citizens through the means of social security services. USA is also not an exception. Infact some of the best social security services of the world are offered by this nation. In simple words social security services imply to a social insurance program, which has been funded by dedicated payroll taxes popularly known as FICA (Federal Insurance Contributions Act) for a long time. The money collected through FICA is entrusted to federal funds like the Federal Disability Insurance Trust Fund or federal Supplementary Medical Insurance Trust Fund. The USA Government is in charge of these federal funds, which are demarcated to help certain factions of the society. The Social Security Disability insurance program is an initiative on part of the USA government to provide financial help to the disabled workers or retired people or their spouses or children.
Surveys show that today United Nations have more than 49 million of Social Security Beneficiaries. The state law distinctively delineates that social security disability services will be provided to individuals and their family members who have paid taxes long enough. A worker who has worked in the recent past is eligible to receive disability benefits from this fund. The service is offered to disabled individuals 5 months after the disability has occurred. There is no specific eligibility criteria except for a particular number of credit points based on earnings. You also need to have a certain number of credit points for the preceding 10 years before the disability. But laws are more lenient for young workers who might not have the scope of earning the required points before being disable.
The US federal law states clearly that the worker wiling to avail the benefits of this program must be in a condition to discontinue with the present work and also be unable to new work environment. Age, education and work experience are also taken into consideration while giving away this kind of social security benefits. The disability has to be for at least 12 months or might result in death. If death occurs die to disability, the spouse and children will be given benefits based on the age and work experience of the worker.
The Supplemental Security Income is yet another social security service offered to the citizens of USA. The eligibility criteria remain the same but it is not based on insurance coverage. SSI judges the eligibility of the beneficiary by applying a means-testing in order to determine whether the claimant’s net worth and income falls below a certain asset and income threshold.
Though the US government offer a bouquet of social security disability services but the beneficiary has to pass through a series of background checks. Strict checking is welcome if the assistance reaches the intended faction of the society. We all hope that the US Government will carry on with the rich legacy of social security services all through.
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