Families with disability are more likely to live in poverty. A parent may have to be a full-time career, limiting their employment prospects. Medical bills are also higher. That’s why parents can claim disability benefits.
In 2011, the percentage of disabled people living in poverty was 28.6%, compared with a level of 13.7% among people without a disability. Families residing in Columbia fared the worst, with 39.4% of people with disabilities experiencing poverty.
As well as having restricted access to the workplace, they incur extra expenses in daily living (such as assistive devices, home and vehicle adaptations, personal assistant costs or therapies not covered under insurance), making SSI disability benefits vital for families.
Eligibility for Disability Benefit
A disabled child aged newborn to 18 years may be able to receive disability benefits. Social security disability eligibility for children is as follows:
- The child must have a physical or mental impairment
- The impairment must ‘very seriously limit’ their activities (for example, communication or social difficulties)
- The child is blind
- They must have had a diagnosed disability for at least a year at the time of application, or expect that it will last at least a year
- Older children cannot be at work considered “substantial”
As SSI is meant for people with disabilities with low or no income and seniors, parents will need to supply evidence of their income as part of the parent’s income may be considered as if it were the child’s.
Some 60% of SSI claims suffer denials.
For a better chance of success, parents could consider hiring a social security attorney. Claims put through by an attorney are more likely to be accepted, and the attorney can also help with appeals.
The maximum amount an individual can receive from 2018 is $750 a month. This will be reduced if the child must stay in a hospital. Most children receiving SSI are also eligible for Medicaid.
Finances can be limited when raising a disabled child. SSI can help cover those costs and Medicaid can give the child subsidized and free healthcare.