Social Security Disability Insurance is your safety net should the worst happen. Have you become physically disabled through injury or chronic illness? SSDI should be there to support you! If you become disabled before retirement age (which is currently age 67) and are no longer able to work, you may be eligible to receive monthly benefits from SSDI. Considering that studies show one in four 20-year-olds will become disabled before they reach retirement¹, being approved to receive these monthly disability payments is of the utmost importance. Don’t tackle the paperwork and hearings alone when you can have my assistance on every step along the way.
How Does Social Security Disability Insurance Work?
In order to qualify for Social Security Disability Insurance, you must have worked in jobs that are covered by Social Security. Most employment you will find today is covered, but it doesn’t hurt to make sure. You will find that many jobs not covered by Social Security are jobs at state or local agencies. You must also work long enough in employment covered by Social Security (and recently enough!) to earn enough credits to qualify for SSDI.
The next step after you become disabled is to get the Social Security Administration to agree with you - only then will you receive benefits. The government has a very strict definition of disability, however, and that definition includes these points:
- you are no longer able to do the work you did before becoming disabled;
- the Social Security Administration determines you cannot adjust to another type of work because of your condition; and
- your disability is expected to last at least a year or result in your death.
Generally, their decision is decided based on five questions, which include whether your condition appears on their Listing of Impairments and whether you’re still able to work. If your condition appears on the list, it’s a relatively easy “yes” that you’re disabled. If your medical condition is not listed, your case will be determined based only on the answers to their other four questions.
A Lawyer Can Help with SSDI Challenges
The process of getting approved for disability can be a long and challenging one. Only around 30 - 35% of applicants are approved on their first application. Your first application could take months to be processed; if denied, filing for an appeal could take another few months. If your request for appeal is also denied, you might need to file for a disability hearing, which can take over a year.
Having a lawyer on your team from the very beginning can streamline the process, provide you a feeling of support, and keep your disability application as low stress as possible. I am deeply familiar with the SSDI application process - it’s one of the things I work on nearly every day! I am dedicated to helping people get the monthly financial support they deserve and need, and I charge nothing upfront for my services. I only get paid when the Social Security Administration finds in your favor and we win your disability case.
You risk nothing in asking for my help, and have everything to gain. Give me a call today!
1. See the Social Security Administration’s Disability Facts.