Social Security Disability Benefits
 
Who Should Read This Information
 
You should, if you want to know more about the various kinds of
disability benefits available from Social Security. This booklet
will tell you who is eligible, how to apply, and what you need to
know once benefits start.
 
We pay disability benefits under two programs: the Social
Security disability insurance program and the Supplemental
Security Income (SSI) program. The medical requirements for
disability payments are the same under both programs and a
person's disability is determined by the same process. While
eligibility for Social Security disability is based on prior work
under Social Security, SSI disability payments are made on the
basis of financial need. And there are other differences in the
eligibility rules for the two programs. This booklet deals
primarily with the Social Security disability program. For
information on SSI disability payments, ask at any Social
Security office for the booklet, SSI (Publication No.
05-11000). 
 
Please Note: This booklet provides a general overview of the
Social Security disability program. The information it contains
is not intended to cover all provisions of the law. For specific
information about your case, contact Social Security.
 
Part 1--Introduction To Disability And Social Security
What We Mean By  Disability
Who Can Get Social Security Disability Benefits?
Disability Benefits For People With HIV Infection
Disability Benefits For Children
How Much Work You Need
 
Part 2--Signing Up For Disability
How To Apply
How To Speed Up Your Claim
Who Decides If You Are Disabled?
How We Determine Disability
Rules For Blind Persons 
If Your Claim Is Denied 
 
Part 3--When Your Claim Is Approved 
Your First Check
How Much You Will Get From Social Security
How Other Payments Affect Benefits
Benefits May Be Taxed 
You Can Get Medicare If You're Disabled 
Reviewing Your Disability 
What Can Cause Benefits To Stop? 
 
Part 4--Going Back To Work
Benefits While You Work 
For More Information
Other Booklets Available
 
Part 1--Introduction To Disability And Social Security
Disability is something most people don't like to think about.
But the chances of your becoming disabled are probably greater
than you realize. In fact, studies show that one out of four
young workers will become disabled some time during his or her
lifetime.
 
It's a fact that, while most people spend time working to succeed
in their jobs and careers, few think about ensuring that they
have a safety net to fall back on should the unthinkable happen.
This is where Social Security comes in. We pay cash benefits to
people who are unable to work for a year or more because of a
disability.  Benefits continue until a person is able to work
again on a regular basis, and a number of work incentives are
available to ease the transition back to work.
 
What We Mean By  Disability 
It's important that you understand how Social Security defines
disability.  That's because different programs have different
bases for determining disability. Some programs may pay for
partial disability or for short-term disability. Social Security
does not.
 
Disability under Social Security is based on your inability to
work. You will be considered disabled if you are unable to do any
kind of work for which you are suited and your disability is
expected to last for at least a year or to result in death.
 
Some consider this a strict definition of disability and it is.
The program assumes that working families have access to other
resources to provide support during periods of short-term
disabilities, including workers compensation, insurance, savings,
and investments. It is designed to provide a continuing income to
you and your family when you are unable to do so. Benefits
continue as long as you remain disabled.
 
Who Can Get Social Security Disability Benefits?
You can receive Social Security disability benefits at any age.
If you are receiving disability benefits at age 65, they become
retirement benefits, although the amount remains the same.
Certain members of your family may also qualify for benefits on
your record. They include:
 
Your unmarried son or daughter, including an adopted child, or,
in some cases, a stepchild or grandchild. The child must be under
18 or under 19 if in high school full time.
 
Your unmarried son or daughter, 18 or older, if he or she has a
disability that started before 22. (If a disabled child under 18
is receiving benefits as a dependent of a retired, deceased, or
disabled worker, someone should contact Social Security to have
his or her checks continued at 18 on the basis of disability.)
 
Your spouse who is 62 or older, or any age if he or she is caring
for a child of yours who is under 16 or disabled and also
receiving checks.
 
Certain family members may qualify for disability benefits if you
should die. They include:
 
Your disabled widow or widower 50 or older. The disability must
have started before your death or within seven years after your
death. (If your widow or widower caring for your children
receives Social Security checks, she or he is eligible if she or
he becomes disabled before those payments end or within seven
years after they end.)
 
Disability Benefits For People With HIV Infection
People with HIV infection or AIDS may also qualify for disability
benefits when they are no longer able to work. Some people with
HIV infection that has not progressed to AIDS may be just as
severely disabled as a person with AIDS and, therefore, just as
likely to qualify for disability. For more information, ask for
the booklet A Guide to Social Security And SSI Disability
Benefits For People With HIV Infection (Publication No.
05-10020).
 
Disability Benefits For Children
In recent years, there has been a growing concern about whether
parents are aware of the disability benefits that are available
for their disabled children. More than 900,000 children under 18
who have disabilities currently receive such benefits; many
suffer some form of mental retardation, others from various
childhood conditions. 
 
SSI disability benefits are payable to people of any age with a
disability, including children. For more information, ask Social
Security for the booklets SSI (Publication No. 05-11000) and
Benefits For Children With Disabilities (Publication No.
05-10026).
 
Social Security dependents benefits are payable to children under
18 if a parent is receiving retirement or disability benefits or
is deceased. These benefits may also be paid to children 18 or
older who were disabled before age 22. Benefits will continue
into their adult years as long as they remain disabled.
 
How Much Work You Need 
To qualify for Social Security disability benefits, you must have
worked long enough and recently enough under Social Security. You
earn up to a maximum of four credits per year. The amount of
earnings required for a credit increases each year as general
wage levels rise. Family members who qualify for benefits on your
work record do not need work credits. The number of work credits
needed for disability benefits depends on your age when you
become disabled. Generally you need 20 credits earned in the last
10 years ending with the year you become disabled. However,
younger workers may also qualify with fewer credits: The rules
are as follows:
 
Before age 24--You may qualify if you have six credits earned in
the three-year period ending when your disability starts.
 
Age 24 to 31--You may qualify if you have credit for having
worked half the time between 21 and the time you become disabled.
For example, if you become disabled at age 27 you would need
credit for three years of work (12 credits) out of the past six
years (between age 21 and age 27).
 
Age 31 or older--In general, you will need to have the number of
work credits shown in the chart shown below. Unless you are
blind, at least 20 of the credits must have been earned in the 10
years immediately before you became disabled.
 
Born After 1929,                          Credits
Become Disabled At Age                    You Need
31 through 42                               20
     44                                     22
     46                                     24
     48                                     26
     50                                     28
     52                                     30
     54                                     32
     56                                     34
     58                                     36
     60                                     38
62 or older                                 40
 
Part 2--Signing Up For Disability
How To Apply
You should apply at any Social Security office as soon as you
become disabled. (You may file by phone, mail, or by visiting the
nearest office.) However, Social Security disability benefits
will not begin until the sixth full month of disability. This 
waiting period  begins with the first full month after the date
we decide your disability began.
 
How To Speed Up Your Claim
The claims process for disability benefits is generally longer
than for other types of Social Security benefits  from 60 to 90
days. It takes longer to obtain medical information and to assess
the nature of the disability in terms of your ability to work.
However, you can help shorten the process by bringing certain
documents with you when you apply and helping us to get any other
medical evidence you need to show you are disabled. These
include:
 
The Social Security number and proof of age for each person
applying for payments. This includes your spouse and children, if
they are applying for benefits. 
 
Names, addresses, and phone numbers of doctors, hospitals,
clinics, and institutions that treated you and dates of
treatment. 
 
Names of all medications you are taking.
 
Medical records from your doctors, therapists, hospitals,
clinics, and caseworkers.
 
Laboratory and test results.
 
A summary of where you worked in the past 15 years and the kind
of work you did. 
 
A copy of your W-2 Form (Wage and Tax Statement), or if you are
self-employed, your federal tax return for the past year. 
 
Dates of prior marriages if your spouse is applying.
 
Do not delay filing for benefits just because you do not have all
of the information you need. The Social Security office will be
glad to help you.
 
Who Decides If You Are Disabled?
After helping you complete your application, the Social Security
office will review it to see if you are eligible to apply for
disability benefits. These include such factors as whether you
have worked long enough and recently enough to qualify for
disability benefits, your age, and,if you are applying for
benefits as a family member, your relationship to the worker. The
office will then send your application to the Disability
Determination Services (DDS) office in your state. There, a
decision will be made as to whether you are disabled under the
Social Security law.
 
In the DDS office, a team consisting of a physician (or
psychologist) and a disability evaluation specialist will
consider all the facts in your case and decide if you are
disabled. They will use the medical evidence from your doctors
and from hospitals, clinics, or institutions where you have been
treated. Again, the quicker we get the evidence, the faster your
claim will be processed. This is why we suggest you bring any
copies of your medical reports you have with you. You should also
be sure to contact the doctors and treatment facilities to let
them know we will be requesting medical evidence in your case.
 
On the medical report forms, your doctors or other sources are
asked for a medical history of your condition: what is wrong with
you; when it began; how it limits your activities; what the
medical tests have shown; and what treatment has been provided.
They are  also asked for information about your ability to do
work-related activities, such as walking, sitting, lifting, and
carrying. They are not asked to decide whether you are disabled.
 
Additional medical information may be needed before the DDS team
can decide your case. If it is not available from your current
medical sources, you may be asked to take a special examination
called a  consultative examination.  Your doctor or the medical
facility where you have been treated is the preferred source to
perform this examination. Social Security will pay for the
examination or any other additional medical tests you may need,
and for certain travel expenses related to it. 
 
Social Security's rules for determining disability differ from
those in other government and private programs. However, a
decision made by another agency and the medical reports it
obtains may be considered in determining whether you are disabled
under Social Security rules.
 
Once a decision on your claim is reached, you will receive a
written notice from the Social Security Administration. If your
claim is approved, the notice will show the amount of your
benefit and when payments start. If it is not approved, the
notice will explain why.
 
How We Determine Disability
You should be familiar with the process we use to determine if
you are disabled. It's a step-by-step process involving five
questions.  They are:
 
1.  Are you working?If you are and your earnings average more
than $500 a month, you generally cannot be considered disabled. 
 
2.  Is your condition  severe ? Your impairments must interfere
with basic work-related activities for your claim to be
considered. 
 
3.  Is your condition found in the list of disabling impairments?
We maintain a list of impairments for each of the major body
systems that are so severe they automatically mean you are
disabled. If your condition is not on the list, we have to decide
if it is of equal severity to an impairment on the list. If it
is, your claim is approved. If it is not, we go to the next step.
 
4.  Can you do the work you did previously? If your condition is
severe, but not at the same or equal severity as an impairment on
the list, then we must determine if it interferes with your
ability to do the work you did in the last 15 years. If it does
not, your claim will be denied. If it does, your claim will be
considered further. 
 
5.  Can you do any other type of work?If you cannot do the work
you did in the last 15 years, we then look to see if you can do
any other type of work. We consider your age, education, past
work experience, and transferable skills, and we review the job
demands of occupations as determined by the Department of Labor.
If you cannot do any other kind of work, your claim will be
approved. If you can, your claim will be denied.
 
Rules For Blind Persons
You are considered blind under Social Security rules if your
vision cannot be corrected to better than 20/200 in your better
eye, or if your visual field is 20 degrees or less, even with a
corrective lens.
 
There are a number of special rules for persons who are blind.
The rules recognize the severe impact of blindness on a person's
ability to work. For example, the earnings limit for people who
are blind is generally higher than the $500 limit that applies to
non-blind disabled workers. This figure changes annually. For
current figures and other information on special rules for
persons who are blind, ask for the leaflet If You Are Blind...How
We Can Help (Publication No. 05-10052).
 
If Your Claim Is Denied
If your claim is denied or you disagree with any other decision
we make, you may appeal the decision. The Social Security office
will help you complete the paperwork.
 
There are four levels of appeal. If you disagree with the
decision at one level, you may appeal to the next level. You have
60 days from the time you receive the decision to file an appeal
to the next level. We assume that you receive the decision five
days after the date on it, unless you can show us that you
received it later.  For more information about appeals, ask for
the factsheet, The Appeals Process (Publication No. 05-10041).
 
Part 3--When Your Claim Is Approved
Your First Check
Once a decision is made that you are disabled, you will receive
your first Social Security disability check dating back to the
sixth full month from the date we decide your disability began
(but no more than one year of back benefits can be paid). You
also will receive a booklet describing your responsibilities as a
Social Security beneficiary: What You Need To Know When You Get
Disability Benefits (Publication No. 05-10153). You should read
this booklet carefully and keep it in a safe place with your
other valuable papers in order to refer to it whenever questions
arise.
 
How Much You Will Get From Social Security
The amount of your monthly disability benefits is based on your
lifetime average earnings covered by Social Security. If you
would like an estimate of your disability benefit, all you have
to do is call or visit Social Security and ask for it. We'll send
you a form you can use to get a Personal Earnings and Benefit
Estimate Statement.
 
How Other Payments Affect Benefits
Eligibility for other government benefits can affect the amount
of your Social Security disability benefits.
 
 
Other Disability Benefits 
Social Security benefits may be affected if you are also eligible
for workers' compensation (including black lung) or for
disability benefits from certain federal, state, local
government, Civil Service, or military disability programs. Total
combined payments to you and your family from Social Security and
any of these other programs generally cannot exceed 80 percent of
your average current earnings before becoming disabled. (Note
that for income tax purposes, your unreduced benefit is counted.)
 
Government Pension Offset 
If you are a disabled widow or widower or the spouse of a
disabled worker, a government pension offset  may reduce your
Social Security payment. The offset applies if you become
eligible for a federal, state, or local government pension based
on your own work not covered by Social Security. The amount of
your Social Security spouse's benefit may be reduced by
two-thirds of the amount of your government pension.
 
There are some exceptions when the offset would not apply. For
more information, call or visit Social Security to ask for a free
copy of the factsheet Government Pension Offset (Publication No.
05-10007).
 
Pension From Work Not Covered By Social Security 
If you become disabled and entitled to a Social Security
disability benefit and you also receive a monthly pension based
on work not covered by Social Security, your disability payment
will be smaller than normal. That's because we use a different
formula to figure the Social Security benefit of people who get
other public pensions.
 
For more information, call or visit Social Security to ask for a
free copy of the factsheet  A Pension From Work Not Covered By
Social Security (Publication No.05-10045).
 
Benefits May Be Taxed
Some people have to pay federal income taxes on their Social
Security benefits. This usually happens only if your total income
is high. At the end of the year, you will receive a Social
Security Benefit Statement (Form SSA-1099) showing the amount of
benefits you received. The statement is to be used for completing
your federal income tax return if any of your benefits are
subject to tax. You may use the Internal Revenue Service
Publication 915 for additional information on the tax.
 
You Can Get Medicare If You're Disabled
You will be automatically enrolled in Medicare after you have
been getting disability benefits for two years.
 
Medicare has two parts hospital insurance and medical insurance.
Hospital insurance helps pay hospital bills and some follow-up
care. The taxes you paid while you were working financed this
coverage, so it's premium free if you're eligible. The other part
of Medicare, medical insurance, helps pay doctors' bills and
other services. You pay a monthly premium for this coverage if
you want it. Most people have both parts of Medicare. 
 
Help For Low-Income Medicare Beneficiaries
If you get Medicare and have low income and few resources, your
state may pay your Medicare premiums and, in some cases, other
out-of-pocket  Medicare expenses such as deductibles and
coinsurance. Only your state can decide if you qualify. To find
out if you do, contact your state or local welfare office or
Medicaid agency. For more general information about the program,
contact Social Security and ask for the leaflet Medicare Savings
For Qualified Beneficiaries (HCFA Publication No. 02184).
 
Reviewing Your Disability 
Your benefits will continue as long as you are disabled. However,
your case will be reviewed periodically to see if you are still
disabled. The frequency of the reviews depends on the expectation
of recovery. 
 
If medical improvement is  expected,  your case will normally be
reviewed within six to 18 months. 
 
If medical improvement is  possible,  your case will normally be
reviewed no sooner than three years. 
 
If medical improvement is  not expected,  your case may be
reviewed no sooner than seven years.
 
What Can Cause Benefits To Stop?
There are two things that can cause us to decide that you are no
longer disabled and to stop your benefits.
 
Your benefits will stop if you work at a level we consider
substantial.  Usually, average earnings of $500 or more a month
are considered substantial.
 
Your disability benefits would also stop if we decide that your
medical condition has improved to the point that you are no
longer disabled.
 
You must promptly report any improvement in your condition, your
return to work, and certain other events as long as you are
receiving benefits. These responsibilities are explained in the
booklet you will receive when benefits start.
 
Part 4--Going Back To Work 
Benefits While You Work
If you're like most people, you would rather work than try to
live on disability benefits. There are a number of special rules
that provide cash benefits and Medicare while you attempt to
work. We call these rules  work incentives.  You should be
familiar with these disability work incentives so you can use
them to your advantage.
 
If you are receiving Social Security disability benefits, the
following work incentives apply:
 
Trial Work Period--For nine months (not necessarily consecutive),
you may earn as much as you can without affecting your benefits.
(The nine months of work must fall within a five-year period
before your trial work period can end.) A trial work month is any
month in which you earn more than $200. After your trial work
period ends, your work is evaluated to see if it is  substantial.
 
If your earnings do not average more than $500 a month, benefits
will generally continue. If earnings do average more than $500 a
month, benefits will continue for a three-month grace period
before they stop.
 
Extended Period of Eligibility--For 36 months after a successful
trial work period, if you are still disabled, you will be
eligible to receive a monthly benefit without a new application
for any month your earnings drop below $500. 
 
Deductions for Impairment-Related Expenses--Work expenses related
to your disability will be discounted in figuring whether your
earnings constitute substantial work. 
 
Medicare Continuation--Your Medicare coverage will continue for
39 months beyond the trial work period. If your Medicare coverage
stops because of your work, you may purchase it for a monthly
premium.
 
Different rules apply to SSI recipients who work. For more
information about Social Security and SSI work incentives, ask
for a copy of the booklet Working While Disabled ... How We Can
Help (Publication No. 05-10095).
 
For More Information
You can get more information 24 hours a day by calling Social
Security's toll-free number: 1-800-772-1213. You can speak to a
service representative between the hours of 7 a.m. and 7 p.m. on
business days. Pre-recorded information and services also are
available during and after normal business hours.
 
If you want to speak to a representative, it's best to call later
in the week and later in the month. When you call, have your
Social Security number handy.
 
Hearing-impaired callers using  TTY  equipment can reach Social
Security between 7 a.m. and 7 p.m. weekdays by calling
1-800-325-0778.
 
The Social Security Administration treats all calls
confidentially--whether they're made to our toll-free numbers or
to one of our local offices. We also want to ensure that you
receive accurate and courteous service. That is why we have a
second Social Security representative monitor some incoming and
outgoing telephone calls.
 
Other Booklets Available
Social Security has a number of publications that contain
information about other Social Security programs. Contact Social
Security to get a free copy of any of these publications. They
include:
 
Understanding The Benefits  (Publication No.05-10024) A
comprehensive explanation of all the Social Security programs. 
 
Retirement (Publication No. 05-10035)--Explains Social Security
retirement benefits. 
 
Survivors (Publication No. 05-10084)--Explains Social Security
survivors benefits. 
 
Medicare (Publication No. 05-10043)--Explains Medicare hospital
insurance and medical insurance. 
 
SSI (Publication No. 05-11000)--Explains this program, which
provides a basic income to people who are 65 or older, disabled,
or blind and have limited income and resources.
 
Benefits For Children With Disabilities (Publication No.
05-10026)--Explains benefits available to children with
disabilities.
 
Working While Disabled . . . How We Can Help (Publication No.
05-10095) Explains work incentives  for Social Security and SSI
beneficiaries.
 
If You Are Blind . . . How We Can Help (Publication No.
05-10052)--Explains benefits available to persons who are blind.
 
Most of these publications are also available in Spanish.
Social Security information is also available to users of the
Internet. Type http://www.ssa.gov to access Social Security
information on the Internet.
 
 
Social Security Administration
SSA Publication No. 05-10029
May 1996 
ICN 456000
 
----------
                    What You Need To Know 
               When You Get Disability Benefits
 
 
                           Social Security Administration
                           SSA Publication No. 05-10153
                           June 1996 
                           (February 1996 edition may be used)
 
 
                 Who Should Read This Booklet?
 
You should, now that you're receiving Social Security
disability benefits. You might think that because the
disability application process is over and your benefits are
about to start, you no longer have to worry about Social
Security. But what happens if your check doesn't arrive on
time? Or what happens to your check if you're away from home
for awhile? And what should you do if your condition improves?
Or what if you want to go back to work but are afraid of losing
your benefits?
 
    Knowing the answers to these and other questions now will
save you a great deal of time, inconvenience, and maybe some
money, later. That's why you should read this booklet now, then
put it aside for reference later.
 
    For easy reference, this booklet is divided into four
parts:
 
--   Your Disability Benefits
--   Reporting Changes That Can Affect Your Benefits
--   Reviewing Your Disability Case
--   Helping You Return To Work
 
    If you also receive Supplemental Security Income (SSI)
checks, there are some additional rules for that program. Ask
Social Security for a copy of the booklet "What You Need To
Know When You Get SSI" (Publication No. 05-11011).
              __________________________________
 
              Social Security's Toll-Free Number
                        1-800-772-1213
                 Internet: http://www.ssa.gov
              __________________________________
 
What's Inside
 
Part 1: Your Disability Benefits
    Your Benefit Amount
    When To Expect Your Check                                  
    The Best Way To Receive Your Check
    If You Choose To Get A Check By Mail                       
    Returning Checks Not Due                                   
    Paying Taxes On Your Benefits                              
    How Long Payments Continue                                 
    A Word About Medicare                                      
    Benefits For Children                                      
    If A Social Security Employee Visits You                   
    Free Social Security Services                              
    A Message About Food Stamps                                
    Your Personal Information Is Safe With Social Security     
 
Part 2: Reporting Changes That Can Affect Your Benefits        
    If You Change Your Address                                 
    If Your Condition Changes                                  
    If You Go To Work                                          
    If You Go Outside The United States                        
    If You Receive Other Disability Benefits                   
    If You Get A Pension From 
       Work Not Covered By Social Security                     
    If You Are A Spouse Or Surviving Spouse 
       Who Receives A Government Pension                       
    If You Get Married                                         
    If A Person Is Not Able To Manage His Or Her Own Funds     
    If A Beneficiary Is Convicted Of A Criminal Offense        
    If A Beneficiary Dies                                      
    How To Report A Change                                     
 
Part 3: Reviewing Your Disability Case                         
    Frequency Of Reviews                                       
    What Happens During A Review                               
    Special Appeal Rights                                      
 
Part 4: Helping You Return To Work
    Understanding "Substantial" Work                           
    Nine-Month Trial Work Period                               
    36-Month Extended Period Of Eligibility                    
    Medicare Continues                                         
    Help With Work Expenses                                    
    Vocational Rehabilitation                                  
    If You Become Disabled Again                               
    Special Rules For Blind Persons Who Work                   
 
For More Information                                           
Other Booklets Available                                       
 
               Part 1--Your Disability Benefits
 
Your Benefit Amount
 
Your Certificate of Award explains how much your disability
benefit will be and when payments start. It also shows when you
can expect your condition to be reviewed to see if there has
been any improvement. If family members are eligible, they will
receive a separate notice and a booklet about things they need
to know.
 
     If you are getting disability benefits on your own record,
or if you are a widow or widower getting benefits on a spouse's
record, your payments cannot begin before the SIXTH FULL month
of disability. If the sixth month is past, your first payment
may include some back benefits.
 
    Your Social Security benefit may be reduced if you are
eligible for workers' compensation, other public disability
payments, or a pension from a job where you did NOT have 
to pay Social Security taxes. (See "If Your Receive Other
Disability Benefits", "If You Get A Pension From Work Not
Covered By Social Security", and "If You Are A Spouse Or
Surviving Spouse Who Recieves A Government Pension" for more
information.)
 
     You can expect your payment amount to go up in future
years. Whenever the cost of living goes up in a year, benefits
will be increased by that amount the following January. If
there is an increase, you will get a notice telling you about
it. You do not have to apply for this increase; it comes
automatically.
 
When To Expect Your Check
 
Your check should arrive on the third day of every month. If
the third falls on a Saturday, Sunday, or legal holiday, you
will receive your check on the last banking day before then. 
 
    The check you receive is the benefit for the previous
month. For example, the check you receive dated July 3 is for
June. 
 
    Your benefit can either come to you in the mail or be
deposited directly into your bank account.
 
The Best Way To Receive Your Check
 
Social Security encourages people to have their checks sent
directly to their bank or other financial institution because
it's safer and more convenient. You won't have to stand in line
waiting to cash your check, you needn't be concerned about
mailbox theft or losing your check. And if you're away from
home, your check will be deposited for your immediate use. Most
beneficiaries now use this service.
 
    You can change to direct deposit by calling the customer
service representative where you bank, or call Social
Security's toll free number, 1-800-772-1213, between 7 a.m. and
7 p.m. Have your Social Security number and a personal check or
bank statement handy.
 
    If you already have direct deposit and decide to change
your account or financial institution, don't close your old
account until direct deposit to your new account has started.
It usually takes one or two months to process the change from
one bank or account to another. If you have questions about
direct deposit, ask your financial institution or any Social
Security office.
 
If You Choose To Get A Check By Mail
 
The post office generally delivers your check on time every
month, but if your check is delayed, wait at least three days
before reporting the missing check to Social Security. The most
common reason checks are late is because a change of address
was not reported. 
 
    If your check is lost or stolen after you receive it,
contact Social Security immediately. Your check can be
replaced, but it takes time.
 
    To be safe, you should cash or deposit your check as soon
as possible after you receive it. You shouldn't sign the check
until you are at the place where you will cash it. If you sign
it ahead of time and lose it, the person who finds it could 
cash it. A government check must be cashed within 12 months 
after the date of the check, or it will be void.
 
Returning Checks Not Due
 
If you receive a check you know is not due, (for example, you
are working and your condition has improved) you should take it
to any Social Security office. Or return it to the U.S.
Treasury Department, Division of Disbursement, at the address
on the check envelope. Enclose a note telling why you are
sending the check back. If you have direct deposit, you should
refund any payments you receive that you know are not due.
 
Paying Taxes On Your Benefits
 
Some people who get Social Security have to pay taxes on their
benefits. You will be affected only if you have substantial
income in addition to your Social Security benefits.
 
--  If you file a federal tax return as an "individual," and
    your combined income* is between $25,000 and $34,000, you
    may have to pay taxes on 50 percent of your Social Security
    benefits. If your combined income is above $34,000, 85
    percent of your Social Security benefits is subject to
    income tax.
 
--  If you file a joint return, you may have to pay taxes on 50
    percent of your benefits if you and your spouse have a
    combined income* that is between $32,000 and $44,000. If
    your combined income* is more than $44,000, 85 percent of
    your Social Security benefits is subject to income tax.
 
--  If you are a member of a couple and file a separate return,
    you probably will pay taxes on your benefits.
 
    * On the 1040 tax return, your "combined income" is the sum
    of your adjusted gross income plus nontaxable interest plus
    one-half of your Social Security benefits.
 
How Long Payments Continue
 
Your disability benefits generally will continue for as long as
your impairment has not medically improved and you cannot work.
They will not necessarily continue indefinitely. Because of
advances in medical science and rehabilitation techniques, an
increasing number of people with disabilities recover from
serious accidents and illnesses. Also, many individuals,
through determination and effort, overcome serious conditions
and return to work in spite of them.
 
    As explained in "Part 3--Reviewing Your Disability Case",
your case will be reviewed periodically to make sure you're
still disabled.  In addition, you are responsible for promptly
reporting if your medical condition improves, if you believe
that you can work, or when you actually do return to work. (See
"If Your Condition Changes" and "If You Go To Work" for more
information.)
 
    Your benefits may be affected if you marry (unless you are
getting disability benefits on your own record), if you receive
certain other types of disability checks, or if you go to
certain countries. Make sure you read and understand the
information on what to report in Part 2--Reporting Changes That
Can Affect Your Benefits. In this way, you can avoid having to
pay back some benefits later. 
 
    If you are still getting disability benefits when you turn
65, your benefits will be automatically changed to retirement
benefits, generally in the same amount. You will then receive a
new booklet explaining your rights and responsibilities as a
retired person. If you are a disabled widow or widower, your
benefits will be changed to regular widow or widower benefits
(at the same rate) at 60, and you will receive a new
instruction booklet that explains the rights and
responsibilities for people who get survivors benefits.
 
A Word About Medicare
 
After you receive disability benefits for 24 months, you will
be eligible for Medicare. You will get information about
Medicare several months before your coverage starts. (If you
have chronic kidney disease requiring regular dialysis or a
transplant, you may qualify for Medicare almost immediately.)
 
Help For Low-Income Medicare Beneficiaries
If you get Medicare and have low income and few resources, your
state may pay your Medicare premiums and, in some cases, other
"out-of-pocket" Medicare expenses such as deductibles and
coinsurance. Only your state can decide if you qualify. To find
out if you do, contact your state or local welfare office or
Medicaid agency. For more general information about the
program, contact Social Security and ask for a copy of the
publication "Medicare Savings For Qualified Beneficiaries" (HCFA
Publication No. 02184).
 
Benefits For Children
 
If a child is getting checks on your account, there are
important things you should know about his or her benefits.
 
When A Child Reaches 18
A child's benefits stop with the month before the child reaches
18, unless the child is either disabled or is a full-time
elementary or secondary school student and remains unmarried. 
 
    About five months before the child's 18th birthday, the
person receiving the child's benefits will get a form
explaining how benefits can continue.
 
     A child whose benefits stopped at 18 can have them started
again if he or she becomes disabled before reaching 22 or
becomes a full-time elementary or secondary school student
before reaching 19.
 
If A Child Is Disabled
A child can continue to receive benefits after age 18 if he or
she has a disability. The child also may qualify for SSI
disability benefits. Call us for more information.
 
If A Child At 18 Is A Student
A child can receive benefits until age 19 if he or she
continues to be a full-time elementary or secondary school
student and remains unmarried. When a student's 19th birthday
occurs during a school term, benefits can be continued up to
two months to allow completion of the term.
 
    Social Security should be notified immediately if the
student drops out of school, changes from full-time to
part-time attendance, is expelled or suspended, or changes
schools. We should also be told if the student is paid by his
or her employer for attending school.
 
    We send each student a form at the start and end of the
school year. It is important that the form be filled out and
returned to us. Benefits could be stopped if the form is not
sent back.
 
    A student can keep receiving benefits during a vacation
period of four months or less if he or she plans to go back to
school full time at the end of the vacation.
 
    A student who stops attending school generally can receive
benefits again if he or she returns to school full time before
age 19. The student needs to contact Social Security to reapply
for benefits.
 
Having A Child After Benefits Start
If you become the parent of a child after you begin receiving
Social Security benefits and the child is in your care, be sure
to notify us so that the child can also receive benefits.
 
If A Social Security Employee Visits You
 
If anyone comes to your home to talk about Social Security or
SSI, ask for his or her identification. Anyone who is from
Social Security will be glad to show you proper identification.
 
    If you have any doubts about the person, you can call us to
ask if someone was sent to see you. And REMEMBER: Social
Security employees will NEVER ask you for money to have
something done. It's their job to help you.
 
Free Social Security Services
 
You never have to pay for information or service at Social
Security. Some businesses advertise that they can provide name
changes, Social Security cards, or earnings statements for a
fee. All these services are provided free by Social Security.
So don't pay for something that's free. Call us first. Social
Security is the best place to get information about Social
Security.
 
A Message About Food Stamps
 
You can get a food stamp application and information at any
Social Security office. Or call our toll-free number
1-800-772-1213. Ask for the leaflet "Food Stamps and Other
Nutrition Programs" (Publication No. 05-10100) or the factsheet
"Food Stamp Facts" (Publication No. 05-10101).
 
Your Personal Information Is Safe With Social Security
 
Social Security keeps personal information on millions of
people. That information--such as your Social Security number,
earnings record, age, and address--is confidential. Generally,
we will discuss this information only with you.  We need your
permission if you want someone else to help with your Social
Security business. 
 
    If you ask a friend or family member to call Social
Security, you need to be with them when they call so we will
know that you want them to help. The Social Security
representative will ask your permission to discuss your Social
Security business with that person. 
 
    If you send a friend or family member to our local office 
to conduct your Social Security business, send your written
consent with them. Only with your written permission can Social
Security discuss your personal information with them and
provide the answers to your questions.
 
    In the case of a minor child, the natural parent or legal
guardian can act on the child's behalf in taking care of the
child's Social Security business. 
 
    We urge you to be careful with your Social Security number
and to protect its confidentiality whenever possible. Although
we can't prevent others from asking for your Social Security
number, you should know that your Social Security records are
kept private.
 
    There are times when the law requires Social Security to
give information to other government agencies to conduct other
government health or welfare programs--such as Aid to Families
with Dependent Children, Medicaid, and food stamps. Programs
receiving information from Social Security are prohibited from
sharing that information. 
 
    Part 2--Reporting Changes That Can Affect Your Benefits
 
You should promptly report any changes that may affect your
disability benefits. Family members receiving benefits also
should report events that might affect their checks. The events
that must be reported are explained on the next few pages.
 
If You Change Your Address
 
You must notify the post office and Social Security immediately
if you change your mailing address. In fact, failure to report
a change of address is the leading cause of checks not arriving
on time. Your report should include your claim number, your old
address, and the new address, including ZIP Code. Give the
names of all family members who should receive benefits or
information at the new address.
 
    You should report a new address even if you have direct
deposit because important letters from Social Security are sent
to your mailing address, even though your benefits go directly
to a bank. Your benefits could be stopped temporarily if Social
Security cannot locate you because you have not reported a
change of address.
 
If Your Condition Changes
 
You must notify us if there is any change for the better in
your condition. Failure to do so could mean you'll get payments
you aren't dueþmoney that will have to be repaid. Your case
will be reviewed periodically to determine if you're still
disabled. (See Part 3--Reviewing Your Disability Case for more
information.)
 
If You Go To Work
 
You should tell us if you take a job or become self-employed NO
MATTER HOW LITTLE YOU EARN. If you are still disabled, you will
be eligible for a trial work period and can continue receiving
benefits for up to nine months (see Part 4--Helping You Return
To Work). 
 
    Also, notify us if you have any special work expenses
resulting from your disability (such as specialized equipment,
a wheelchair, or even some prescription drugs), or if there is
any change in the amount of the expenses.
 
If You Go Outside The United States
 
If you are a citizen of the United States, your Social Security
payments generally can continue for as long as you are outside
the United States and meet all requirements. (The Social
Security office has a list of 60 other countries whose citizens
also can get Social Security checks if they leave the United
States.) However, you must notify Social Security when you plan
to leave the U.S. for 30 days or more so that any letters can
be sent to the right address. Notifying us also will enable you
to learn about any special rules that apply to those receiving
benefits outside the U.S. And remember to let Social Security
know when you return to the U.S.
 
    If you are a citizen of a country not approved for us to
send checks, your benefits will be suspended after you have
been outside the U.S. for six months, unless you meet specific
conditions. And, if you go to a country where U.S. Treasury
Department regulations prohibit sending checks, your benefits
will stop immediately. For more information, ask any Social
Security office for the booklet "Your Social Security Payments
While You Are Outside The United States" (Publication No. 
05-10137).
 
If You Receive Other Disability Benefits
 
If you are disabled, and under 65, Social Security benefits for
you and your family may be reduced if you are also eligible for
workers' compensation (including black lung payments) or for
disability benefits from certain federal, state, or local
government programs. Tell us if you:
 
--  Apply for another type of disability benefit; or
 
--  Begin receiving another disability benefit or a lump-sum
    settlement; or
 
--  Already receive another disability benefit and the amount
    changes or your payment stops.
 
If You Get A Pension From Work Not Covered By Social Security
 
If your disability began after 1985, tell us if you start
receiving a pension (for which you were first eligible after
1985) from a job where you did NOT pay Social Security taxes.
For more information, ask at any Social Security office for the
factsheet "A Pension From Work Not Covered By Social Security"
(Publication No. 05-10045).
 
If You Are A Spouse Or Surviving Spouse 
Who Receives A Government Pension      
 
If you are a disabled widow or widower or the spouse of someone
getting disability benefits, your Social Security payments may
be reduced if you worked for a federal, state, or local
government agency where you did not pay Social Security taxes
and you receive a pension from that agency. Notify Social
Security if you begin to receive such a pension or if the
amount of the pension changes. Ask for the factsheet
"Government Pension Offset" (Publication No. 05-10007) for more
information.
 
If You Get Married
 
Here's how marriage may affect your disability benefits and
when you must report.
 
--  If you are getting disability benefits on your own record-
    -Your payments will continue and you don't need to report
    the marriage. But, report any change of name so it will
    appear on your future checks.
 
--  If you are a disabled widow or widower--Payments will
    continue, but remember to report the name change. If your
    current spouse dies, you may be eligible for higher
    benefits on his/her work record.
 
--  If you are an adult who was disabled before age 22 and you
    are getting benefits on the Social Security record of a
    parent or grandparent--You should report your marriage.
    Payments generally will end unless you marry a person
    receiving certain types of Social Security benefits. If
    your benefits stop because of marriage, they cannot be
    started again unless the marriage is declared void.
 
--  Benefits for the child of someone getting disability
    benefits always end if the child marries. This must be
    reported right away.
 
If A Person Is Not Able To Manage His Or Her Own Funds
 
If a person receiving benefits becomes unable to manage his or
her funds, someone should let Social Security know. Social
Security will arrange for an organization or person called a
"representative payee" to receive and use the benefits for that
person. 
 
    The payee is responsible for:
 
--  Properly using the benefits on behalf of the beneficiary,
--  Reporting any events that may affect payments,
--  Completing a Representative Payee Report when asked to do
    so by Social Security.
 
    If you have a representative payee and are also addicted to
drugs or alcohol, you may be referred to the State Substance
Abuse agency for treatment. 
 
    Please Note: If a person has "power of attorney" for
someone, that does not automatically qualify him or her to be
the representative payee.
 
    For more information, ask Social Security for A Guide For
Representative Payees (Publication No. 05-10076).
 
If A Beneficiary Is Convicted Of A Criminal Offense
 
If someone getting Social Security benefits is convicted of a
criminal offense, Social Security should be notified
immediately. Benefits generally are not paid for months a
person is imprisoned for a criminal conviction, but any family
members who are eligible may continue to receive benefits. 
 
    Benefits also are not paid to individuals confined in an
institution by court order who, in connection with a criminal
offense:
 
--  have been found guilty but insane,
 
--  have been found not guilty by reason of insanity or similar
    factors (such as mental disease, mental defect, or mental
    incompetence), or
 
--  are incompetent to stand trial.
 
If A Beneficiary Dies
 
When a beneficiary dies, no payment is due for the month of
death. For example, if the person dies in June, even if it was
on the last day, the check dated July 3 (which is the June
check) should be returned. However, if the check is issued
jointly to a husband and wife, the survivor should get in touch
with any Social Security office about cashing the check.
 
    If the beneficiary was using direct deposit, the bank also
should be notified of the death so it can return any payments
received after death.
 
    When a person getting disability benefits dies, payments to
his or her family will be changed to survivors benefits. If the
worker received benefits on behalf of children, a new
representative payee must be appointed. A death certificate or
other proof of death is needed.
 
How To Report A Change
 
You can report a change simply by calling Social Security at
1-800-772-1213. You can also visit any office or mail in the
reporting form given to you when you applied for benefits.
 
    If you send a report by mail, be sure to include:
 
--  Your name, and if different, the name and Social Security
    claim number of the person on whose account you get
    benefits;
--  Name of person(s) about whom the report is made;
--  Your Social Security claim number;
--  What new information is being reported;
--  Date of the change; and
--  Your signature, address, phone number, and date.
 
    If you need help in completing a report, the people at any
Social Security office will be glad to help you. Or, you can
call our tollþfree number--1-800-772-1213--24 hours a day. Be
sure to have your Social Security number handy. If you are
getting benefits on somebody else's record (a spouse, for
example), we need his or her Social Security number, too.
 
            Part 3--Reviewing Your Disability Case
 
Under Social Security law, all disability cases must be 
reviewed from time to time. This is to make sure that people
receiving benefits continue to be disabled and meet all other
requirements.
 
    Your benefits generally will continue unless there is
strong proof that your condition has medically improved and
there is evidence that you are able to return to work.
 
Frequency Of Reviews
 
How often your case is reviewed depends on the severity of your
condition and the likelihood of improvement. The frequency can
range from six months to seven years. Your Certificate of Award
shows you when you can expect your first review.
 
    Here are general guidelines for reviews:
 
--  Improvement expected--If medical improvement can be
    predicted when benefits start, your first review should be
    six to 18 months later.
 
--  Improvement possible--If medical improvement is possible
    but cannot be predicted, your case will be reviewed about
    every three years.
 
--  Improvement not expected--If medical improvement is not
    likely, your case will be reviewed only about once every
    five to seven years.
 
What Happens During A Review
 
After you get a letter announcing the review, someone from your
Social Security office will contact you to explain the review
process and your appeal rights.  You will be asked to provide
information about any medical treatment you've received and any
work you might have done.
 
    Then your file will be sent to the state agency that makes
disability decisions for Social Security. An evaluation team
that includes a disability examiner and a doctor will carefully
review your file and request your medical reports. If reports
are not complete or current enough, you may be asked to have a
special examination or test that the government will pay for.
 
    Once a decision is reached, we will send you a letter
explaining it. If we decide you are still disabled, your
benefits will continue. If we decide you are no longer
disabled, you can file an appeal (see section below). If you
don't, your benefits will stop three months after we said your
disability ended.
 
Special Appeal Rights
 
If you don't agree with a decision we make, you can appeal it.
You have 60 days to file a written appeal with any Social
Security office. Generally, there are four levels to the
appeals process. They are:
 
--  Reconsideration--Your claim is reviewed by someone who did
    not take part in the first decision.
 
--  Hearing Before an Administrative Law Judge--You can appear
    before a judge to present your case.
 
--  Review by Appeals Council--If the Appeals Council decides
    your case should be reviewed, it will either decide your
    case or return it to the administrative law judge for
    further review.
 
--  Federal District Court--If the Appeals Council decides not
    to review your case or if you disagree with its decision,
    you may file a lawsuit in a federal district court.
 
    If you disagree with the decision at one level, you have 60
days to appeal to the next level until you are satisfied with
the decision or have completed the last level of appeal.
 
    You have two special appeal rights when a decision is made
that you are no longer disabled. They are:
 
--  Disability Hearing--This is part of the reconsideration
    process. You can meet face-to-face with the person who is
    reconsidering your case to explain why you feel you are
    still disabled. You can submit new evidence or information
    and can bring someone who knows about your disability. This
    special hearing does not replace your right to also have a
    formal hearing before an administrative law judge (the
    second appeal step) if your reconsideration is denied.
 
--  Continuation of Benefits--While you are appealing your
    case, you can have your disability benefits and Medicare
    coverage (if you have it) continue until an administrative
    law judge makes his or her decision. However, you must
    request the continuation of your benefits during the first
    10 days of the 60 days mentioned earlier. If your appeal is
    not successful, you may have to repay the benefits.
 
              Part 4--Helping You Return To Work
 
Even after you start receiving disability benefits, you may
want to try working again. To help you, there are many "work
incentives"--rules that are designed to ease the transition
back to work. These rules continue cash payments and Medicare
while you work, help with the extra work expenses associated
with working with a disability, and help with rehabilitation
and training that may lead to a new line of work. A brief
description of these rules follows. For detailed "work
incentive" information, ask Social Security for the booklet
"Working While Disabled...How We Can Help" (Publication No.
05-10095).
 
Understanding "Substantial" Work
To understand how work affects your disability benefits, you
need to understand how Social Security measures your work.
Disability benefits can be paid only if you are unable to do
any "substantial" work. The amount of your earnings is the key
to determining whether your work is substantial.
 
    In general, if your wages average MORE THAN $500 A MONTH
(after allowable deductions), you are performing substantial
work.
 
    If your average monthly earnings are BETWEEN $300 AND $500
A MONTH, your work could be considered substantial if the
amount and quality of your work are about the same as that done
by workers in your area who are not disabled. In making this
decision, we consider the time, energy, skill, and
responsibility involved in your work. Earnings of LESS THAN
$300 A MONTH are not considered substantial. (See "Special
Rules For Blind People Who Work" for special rules for blind
people who work.)
 
    If your earnings are "subsidized"--that is, if your
employer says you are paid more than the reasonable value of
your work--the subsidy part of your pay is not counted as
earnings in deciding whether you are performing substantial
work.
 
     IF YOU ARE SELF-EMPLOYED, your business income alone may
not be the best measure of whether you are doing substantial
work. Business income may depend on many other factors, such as
the economic situation and services of other people. In such
cases, more consideration is given to the AMOUNT OF TIME you
spend in your business than the amount of your income.
 
    Following are the rules that may help you return to work.
 
Nine-Month Trial Work Period
 
You can continue to receive benefits for up to nine months
while you try to work. The months need not be in a row, but
they must take place within a 60-month period. Generally
speaking, a "trial work" month is any month in which you earn
over $200 in gross wages (regardless of amount of time worked)
or spend 40 hours in your own business (regardless of amount of
earnings). You will receive your full benefits during this
period.
 
    At the end of nine months of trial work, we decide if you
are able to do "substantial" work. If you can, your benefits
will stop after a three-month adjustment period. If you are not
able to work, your payments will continue.
 
    Remember, your trial work period will continue only if you
are still disabled. If you recover during a trial work period,
your benefits will stop after a three-month adjustment period.
 
36-Month Extended Period Of Eligibility
 
If your benefits stop because you have returned to work even
though you are still medically disabled, you receive special
"benefit protection" for the next 36 months.  During that time,
you can receive a benefit for any month your earnings fall
below $500. You do not have to file a new application, but you
do have to notify Social Security. If you are unable to
continue working, your benefits continue indefinitely so long
as you remain disabled.
 
Medicare Continues
 
If you are working even though you are still disabled, your
Medicare coverage may continue for at least 39 months after the
trial work period. After that, you may purchase the coverage
with a monthly premium.
 
Help With Work Expenses
 
If you need certain equipment or services to help you work, the
money you pay for them can be deducted from your earnings in
deciding whether you are doing "substantial" work.  It does not
matter if you also need the items or services for daily living
(such as a wheelchair).
 
    The cost of medical equipment, certain attendant care
services, prostheses, and similar items and services is
generally deductible. The cost of drugs or medical services is
deductible only if required because of your condition.
 
Vocational Rehabilitation
 
When you applied for disability benefits, information about you
and your impairment may have been sent to the state vocational
rehabilitation agency. If they offer you services and you
refuse them without good reason, your monthly benefits may be
withheld. If you have not heard from them and are interested in
receiving rehabilitation services, you should give them a call.
 
    Your disability benefits will continue while you receive
rehabilitation services. Under a special rule, benefits can
continue even if you medically recover while participating in
an approved vocational rehabilitation or training program. For
more information, ask Social Security for the booklet "How
Social Security Can Help With Vocational Rehabilitation"
(Publication No. 05-10050).
 
If You Become Disabled Again
 
If you become disabled a second time within five years after
your benefits were stopped, your cash payments can begin again
with the first full month you are disabled. Another "waiting
period" is not required (as it was the first time you applied
for Social Security disability benefits). However, you must
file a new application. There is also no waiting period if you
are a disabled widow or widower or a person disabled before 22
who becomes disabled again within seven years after benefits
ended. If you had Medicare coverage, that will also resume
without the 24-month waiting period (see "A Word About
Medicare.")
 
Special Rules For Blind Persons Who Work
 
If you receive disability benefits because of blindness, there
are two special rules that may help you when you work:
 
--  Average monthly earnings of $960 or less in 1996 are not
    considered substantial work. This monthly amount will
    increase in future years. ('Understanding "Substantial"
    Work' explains how "substantial work" affects your
    disability check).
 
--  If you are 55 to 65, monthly benefits will continue if you
    cannot do the regular (or similar) work you did before
    turning 55 or becoming blind, whichever is later. For more
    information, ask Social Security for a copy of the booklet
    "How Social Security And SSI Can Help If You Are Blind"
    (Publication No. 05þ10052).
 
                     For More Information
 
You can get more information by calling Social Security's
toll-free number: 1-800-772-1213. You can call for an
appointment or to speak to a service representative between the
hours of 7 a.m. and 7 p.m. on business days. Our lines are
busiest early in the week and early in the month, so if your
business can wait, it's best to call at other times. Whenever
you call, have your Social Security number handy.
 
    If you have a touch-tone phone, recorded information and
services are available 24 hours a day, including weekends and
holidays.
 
    People who are deaf or hard of hearing may call our
toll-free "TTY" number, 1-800-325-0778, between 7 a.m. and 7
p.m. on business days.
 
    The Social Security Administration treats all call
confidentially--whether they're made to our toll-free numbers
or to one of our local offices. We also want to ensure that you
receive accurate and courteous service. That's why we have a
second Social Security representative monitor some incoming and
outgoing telephone calls.
 
                   Other Booklets Available
 
Social Security has a number of publications that contain
information about other Social Security programs. Contact
Social Security to get a free copy of any of these
publications--all of which are also available in Spanish. They
include:
 
--  "Social Security--Understanding The Benefits" (Publication
    No. 05-10024)--A comprehensive explanation of all the
    Social Security programs.
 
--  "Retirement Benefits" (Publication No. 05-10035)--Explains
    Social Security retirement benefits.
 
--  "Survivors Benefits" (Publication No. 05-10084)--Explains
    Social Security survivors benefits.
 
--  "Medicare" (Publication No. 05-10043)--Explains Medicare
    hospital insurance and medical insurance.
 
--  "SSI Benefits" (Publication No. 05-11000)--Explains the SSI
    program, which provides a basic income to people who are 65
    or older, disabled, or blind and have limited income and
    resources.
 
--  "Working While Disabled...How We Can Help" (Publication No.
    05-10095)--Explains the work incentives available to people
    with disabilities who work.