Can Disability Benefits be Garnished?

Banks and other financial creditors can’t touch your Social Security benefits, but when the government is collecting on a debt, those funds are fair game. The federal government can garnish your benefits for repayment of several types of debts, including federal income taxes, federal student loans, child support and alimony, nontax debt owed to other […]

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Waiting Times Still Impact Real Lives

Although wait times for disability decisions have unproved in the past few years, in real time, for real people, delays of two to three years from application date are common, and virtually impossible to manage effectively. Take a look at this TV station’s investigation of a case in Buffalo NY: Back and neck injuries have […]

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At A Glance: Security Disability Programs

Title II DISABILITY INSURANCE BENEFITS To be eligible for Social Security Disability Insurance Benefits (DIB) you must have worked and paid Social Security taxes for 20 quarters (5 years) out of the past 40 quarters (10 years) and have earned a minimum amount per quarter. The minimum earnings amount changes annually. The amount of earnings […]

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How Does Bankruptcy Affect Social Security Benefits?

Here’s a thoughtful and concise article about how Bankruptcy relates to Social Security benefits: If you receive Social Security benefits, bankruptcy provides protection through state exemptions whether you file Chapter 7 or Chapter 13 bankruptcy. Most often the “means test” helps determine your eligibility when filing, but some states may not calculate your benefits into […]

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SSDI: The Truth Behind Political Mischaracterizations

The Social Security Disability Insurance (SSDI) program is an integral part of the Social Security system that provides vital economic security to workers and their families. SSDI provides modest but essential coverage that American workers earn, and protects against the economic devastation that often accompanies life-changing disability. Unfortunately, recent media coverage (including recent opinion pieces […]

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Combination of Impairments Must be Considered

It is worth a reminder that the law requires the Social Security Administration to consider the combined effects of impairments— physical, mental or emotional —when making a decision about disability. The combination of such impairments may be disabling, even though each separately is not. Too often claimants do not tell Social Security, or even their […]

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US News and World Report Debunks Trust Fund “Crisis”

Reporter Chad Stone writes: The rising number of people receiving Social Security Disability Insurance benefits in recent decades and the projected depletion of the program’s trust fund in 2016 are whipping up a frenzy in some quarters that disability insurance is “out of control.” Don’t believe it. These developments were largely anticipated and are quite […]

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Young Working Immigrants Add to Medicare Fund Stability

America’s growing immigrant population might not be all that bad for the country’s health-care system. In fact, it’s probably playing an important role in helping to keep it afloat. U.S. immigrants’ net contribution to Medicare’s Hospital Insurance Trust Fund, the program’s core funding source, was $183 billion between 1996 and 2011. US-born Americans? Negative $69 […]

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“Adult Children” May Be Able to Draw Disability on Parent’s Work Record

An adult disabled before age 22 may be eligible for “child’s” benefits if a parent is deceased or starts receiving retirement or disability benefits. Social Security considers this a “child’s” benefit because it is paid on a parent’s Social Security earnings record. The “adult child”—including an adopted child, or, in some cases, a stepchild, grandchild, […]

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