Most people don’t like to needlessly suffer from either a sickness or an injury, but unfortunately many people have to handle this sort of discomfort at some time or other throughout life. If you have been involved in an accident which has caused a brain injury then you will benefit when applying for disability benefits as it will give you access to financial assistance, the possibility of receiving Medicare, family benefits, and return to work incentives. This means you don’t have to undergo the stress of financial hardship when you are unable to work.
Financial Assistance
Unless you have very good health insurance paying for brain injury treatment can be quite expensive especially if you’re out of work. However, if you are awarded disability benefits it can help you pay for medical expenses. There are two types of social security disability benefits (SSD) paid to a worker disabled by a brain injury for loss of wages. The first is social security disability insurance benefits (SSD) which are paid for disabilities that last 12 months or more to eligible applicants who have accumulated enough work credits. The second benefit is supplemental security income (SSI), which is made up of a monthly income for a person disabled by a brain injury who has limited income and assets and does not have sufficient work credits to qualify for SSDI.
Medicare Coverage
Medicare provides federal health benefits for those on SSD for 24 months or longer. Enrollment is automatic in the 25th month of SSD. Part A coverage is free, but individuals must pay for Part B, often as a deduction from the monthly disability check. Medicare coverage is a crucial payment to prevent financial hardship when suffering from a brain injury.
Family Benefits
When you begin to receive disability benefits, certain family members might also qualify for benefits based on your eligibility. Your children may qualify for benefits if they fulfill the requirements below:
- are unmarried;
- are under 18 years old;
- have completed the benefits application form.
The child or children can be adopted, a stepchild, grandchild or step-grandchild of the insured worker on whose earnings record the claim is based when a married spouse of a disabled worker also qualifies for disability benefits if they:
- are 62 years or older;
- are of any age but have an eligible child in their care who is under 16 years or is disabled;
- are not entitled to a retired or disabled-worker benefit equal to or larger than the spousal benefit;
- have filed an application for benefits;
- have been married to the disabled worker for at least one complete year close to the date on when the disabled spouse application is filed.
Return to Work Incentives
Beneficiaries also have the choice of possibly returning to the work force through the Ticket to Work program or the PASS program.
There are many benefits when it comes to applying for benefits. Don’t let yourself suffer financial hardship from a brain injury when there are disability benefits available for you. Complete a free case evaluation to learn if you qualify.
