Social Security Disability Planning


Disability is unpredictable and can happen to anyone-regardless of age. Clearly, if a person loses the ability to earn a living because of sickness or injury, his or her financial future—and that of the family--may be in jeopardy. The prospect of disability raises an important question: How will a disabled person and family manage to pay for the disabled person's living expenses and additional medical, rehabilitative, and related expenses as well? For many clients, Social Security is the answer.

This course provides a detailed overview of the Social Security disability insurance program and explains the how, when and what of qualifying for these important benefits.

Learning Objectives

Upon completion of this course, students will be able to:

  • explain how the five-step sequential evaluation process is used to determine eligibility for disability benefits
  • understand how the application date, disability onset date, and waiting period affect the start of benefits
  • explain how the receipt of other disability income may affect a person's Social Security disability benefit
  • recognize when Social Security disability beneficiaries become eligible for Medicare
  • understand when the spouse and dependent children of a disabled worker are eligible to receive benefits based on the worker's earnings record
  • list the different categories of individuals who can receive survivor benefits after a disabled worker dies, including surviving spouses, ex-spouses, and dependent children
  • list the events that will cause Social Security disability benefits to terminate
  • understand when continuing disability reviews will be conducted

Designed For

Life and health insurance producers; financial advisors and planners
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