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Social Security Disability Benefits a Lifeline, But Often a Short One

People who complain about Social Security Disability (SSD) seem to overlook one basic fact: Many people who receive this benefit are living in poverty or very close to it. The average benefit, according to an article in Bankrate.com, is $1,165 per month, only $184 per month higher than the federal poverty level for individuals.

Other things that SSD critics have trouble remembering:

  • The average recipient is 53 years old.
  • The average recipient worked for 22 years before applying for benefits.
  • Many are very sick and around 20 percent of SSD recipients die in the first five years after they start receiving benefits.

Remember, these are averages. Many SSD recipients fall below the federal poverty line. Most, because of their age, training and disability, are unable to work at all or very minimally. SSD benefits keep many people out of poverty altogether and prevent others from becoming even poorer. SSD benefits are a lifeline for many.

Poverty Measures Do Not Take Regional Differences Into Account

The federal measurement of poverty - the national average - does not take into account regional variations in expenditures such as the cost of food and housing. For example, someone living in San Francisco spends much more on rent than someone living in Nashville. However, SSD benefits in these cities are the same for people with the same disabilities and who have worked the same number of years at the same salaries.

Overall, the cost of living varies significantly from state to state and city to city. The highest cost of living can be found in California and the Northeast. The Midwest and the Southern states have lower costs of living.

Continuing the comparison between San Francisco and Nashville, housing is not the only expense that is much lower in Nashville. Groceries, utilities, transportation and medical care are also significantly less expensive, according to CNN Money. If you receive SSD benefits, Nashville is almost certainly a better place to live. If you live in San Francisco and receive SSD benefits above that put you above the poverty line, you will struggle because of the cost of living.

Wherever you live, it's important to get help with your Social Security Disability benefits, especially if you were denied at the initial level. Do what so many like you have done: Call Binder & Binder®, America's most successful Social Security Disability advocates. Tell them your story and find out how they can help.

Other things that SSD critics have trouble remembering:

  • The average recipient is 53 years old.
  • The average recipient worked for 22 years before applying for benefits.
  • Many are very sick and around 20 percent of SSD recipients die in the first five years after they start receiving benefits.

Remember, these are averages. Many SSD recipients fall below the federal poverty line. Most, because of their age, training and disability, are unable to work at all or very minimally. SSD benefits keep many people out of poverty altogether and prevent others from becoming even poorer. SSD benefits are a lifeline for many.

Poverty Measures Do Not Take Regional Differences Into Account

The federal measurement of poverty - the national average - does not take into account regional variations in expenditures such as the cost of food and housing. For example, someone living in San Francisco spends much more on rent than someone living in Nashville. However, SSD benefits in these cities are the same for people with the same disabilities and who have worked the same number of years at the same salaries.

Overall, the cost of living varies significantly from state to state and city to city. The highest cost of living can be found in California and the Northeast. The Midwest and the Southern states have lower costs of living.

Continuing the comparison between San Francisco and Nashville, housing is not the only expense that is much lower in Nashville. Groceries, utilities, transportation and medical care are also significantly less expensive, according to CNN Money. If you receive SSD benefits, Nashville is almost certainly a better place to live. If you live in San Francisco and receive SSD benefits above that put you above the poverty line, you will struggle because of the cost of living.

Wherever you live, it's important to get help with your Social Security Disability benefits, especially if you were denied at the initial level. Do what so many like you have done: Call Binder & Binder®, America's most successful Social Security Disability advocates. Tell them your story and find out how they can help.

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