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Disability Income Benefits

Which of the following statements concerning OASDI disability income benefits is correct?

  1. Disability is defined as the inability to perform all major duties of the insured’s own occupation.
  2. Unless specifically exempted, a waiting period of 12 months must be satisfied.
  3. If the disabled worker is also receiving workers compensation benefits, the full OASDI benefit is payable as long as the combined benefit does not exceed 80% of the worker’s average current earnings.
  4. The disability benefit is 80% of the worker’s PIA, determined as if the worker were at normal retirement age and eligible for old-age benefits.